Workers Compensation Insurance

What is Workers Compensation Insurance?

Workers that are injured on the job are entitled to benefits as prescribed by state laws. These benefits may involve income, medical, rehabilitation, death and survivor payments.  Workers Compensation Insurance covers payment of all workers compensation and other benefits that the employer must legally provide to covered employees who are occupationally disabled.

If you are a new or start up business, or are expanding your current business operation to include employees, it is important to know that by state law you will be required to have workers’ compensation insurance coverage.  Generally, workers’ compensation insurance coverage is mandatory for all employers who have one or more employees, whether they’re part-time or full-time, including family members. Coverage ensures medical and wage-loss benefits to employees who are injured during the course of their job. Employers who so provide coverage are protected against lawsuits filed by injured workers.