Workers compensation

What is workers compensation insurance?

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.

What does workers compensation cover?

Medical Expenses

If an employee is injured or gets sick on the job, a worker’s compensation policy can cover employee medical expenses and lost wages.

Employee Liability

If an employee files a lawsuit due to an injury or illness sustained at the workplace, regardless of if the claim is valid, a workers’ compensation policy can cover legal expenses associated with claim.

Survivor Benefits

In the event of an employee fatality, the beneficiaries entitled to cash benefits would be covered under a workers’ compensation policy.

Who needs workers compensation insurance?

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.

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