Workers' compensation insurance, also known as workers’ comp insurance, covers costs of medical care and lost wages to employees that suffer any injury or illness as a direct result of employment. In almost all U.S. states, a workers’ comp policy is required by law to protect employees and cover their wages and medical bills in the event of a workplace related injury.
In nearly all states, any business with employees will need to have a workers' comp policy. Even self-employed professionals and freelancers may be required to have a workers' comp policy to meet certain state or contractual requirements.See if you're covered
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