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What Is Workers’ Compensation?
Workers’ Compensation is insurance that helps pay for medical care and wage replacement when an employee is injured or becomes ill because of work. It also helps protect your business from many employee injury lawsuits.
What Does Workers’ Compensation Cover?
It typically covers work-related injuries and illnesses, including medical bills, partial lost wages, disability benefits, and in fatal incidents, survivor benefits. It also includes employer liability protection in many cases.
Back injury from lifting on the job
Slip and fall at a customer site
Work-related illness from exposure
Key Features of Workers’ Compensation
Medical care and recovery support
Helps cover doctor visits, hospital care, prescriptions, and rehab tied to a covered work injury or illness, so employees can get treatment quickly without the business paying out of pocket.
Wage replacement and disability benefits
If an employee cannot work or must work reduced duties, Workers’ Comp can pay a portion of lost income, and may provide temporary or permanent disability benefits depending on the situation.
Employer liability protection
Many policies include employer’s liability coverage, which can help when an employee alleges negligence related to a workplace injury, including certain legal defense costs and settlements within policy limits.
Workers’ Compensation Made Simple
Everything you need to know about this coverage, from basic definitions to real-world application scenarios.
