Workers Compensation Insurance
Workers compensation insurance is a type of insurance that provides coverage for employees who are injured or become ill as a result of their job. It typically includes coverage for medical expenses and lost wages.​
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Frequently Asked Questions
Is workers compensation insurance required by law?
Workers compensation insurance is required by law in most states for businesses that employ one or more employees. It is designed to provide financial support to employees who are injured or become ill while on the job.​
What types of injuries or illnesses are covered under workers compensation insurance?
Workers compensation insurance typically covers injuries or illnesses that are directly related to an employee's job. This can include injuries sustained in an accident or illnesses caused by exposure to hazardous materials.​
How much coverage do I need for workers compensation insurance?
The amount of coverage you need for workers compensation insurance will depend on the specific risks your business faces. Factors to consider include the number of employees, the type of work they perform, and the potential for injuries or illnesses.​
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Are there any exclusions to workers compensation insurance?
Yes, there are certain exclusions to workers compensation insurance. These may include injuries or illnesses that are not directly related to an employee's job or those that result from an employee's intentional actions.​
Will workers compensation insurance cover me if I am sued by an employee?
No, workers compensation insurance typically does not cover legal action taken by an employee. It only covers medical expenses and lost wages in case of a work-related injury or illness. Employers may be required to have a separate insurance policy such as employment practices liability insurance, to protect them from legal action by employees.
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