Workers Compensation Insurance
Workers Compensation Insurance Coverage
Workers Compensation Insurance is designed specifically for employee injuries sustained on the job. As a protection for employees, most states require that employers carry some form of Workers Compensation Insurance.
In most states, if you have employees, you are required to carry Workers Compensation coverage. In non-mandatory states, it can be a good idea, particularly if you have many employees, or if they are engaged in hazardous activities.
Employers have Workers Compensation requirements
Workers compensation provides payments to injured workers, without regard to who was at fault in the accident, for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.
Each state has different laws governing the provision of medical & rehabilitation services, how the system is administered, and the amount & duration of lost income benefits.
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