Workers Compensation

About Coverage

Key Details

• Workers’ compensation insurance helps protect your employees and your business.

• Workers’ compensation insurance provides benefits to employees who get injured or sick from a work-related cause. It covers the costs of medical treatment, ongoing care, lost wages, disability benefits and death benefits, like funeral costs.

How Does Workers Compensation Insurance Work

Workers’ compensation is a no-fault system. This means injured or ill employees can receive compensation, but they give up their right to sue their employer. Workers’ compensation insurance can help protect your business by:

• Providing disability benefits to employees who have work-related injuries or illnesses

• Limiting your business’ liability in lawsuits for work-related injuries or illnesses

• Making sure you’re following your state’s workers’ comp laws

• Helping injured employees get back to work in their old role or a new one