Which of the following employees must be covered under Workers' Compensation insurance?

A full-time factory worker must be covered under Workers' Compensation insurance because this type of insurance is designed to provide benefits to employees who suffer work-related injuries or illnesses. In most states, including Mississippi, Workers' Compensation laws require that businesses provide coverage for their employees to ensure that they are compensated for medical expenses and lost wages due to workplace injuries. Full-time workers are generally included under these laws as they are considered employees, and the coverage is mandatory.

In contrast, part-time workers, church employees, and independent contractors may not be automatically covered under Workers' Compensation insurance due to certain exemptions or specific eligibility criteria. For instance, part-time workers may be excluded depending on the number of hours they work or their employment status, church employees might not be covered under some religious exemptions, and independent contractors are typically not considered employees under Workers' Compensation statutes, thus not entitled to the same protections.