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Workers Compensation Information
Workers' Compensation laws were created to ensure that employees who are injured on the job are provided with fixed monetary awards. This eliminates the need for litigation and creates an easier process for the employee. It also helps control the financial risks for employers since many states limit the amount an injured employee can recover from an employer.
Workers' Compensation insurance is designed to help companies pay these benefits. As a protection for employees, most states require that employers carry some form of Workers' Compensation insurance. Workers' Compensation insurance is not health insurance; it is designed specifically for injuries and illnesses sustained on the job.
In most states, if you have employees, you are required to carry Workers' Compensation coverage. Workers' Compensation insurance must be bought as a separate policy.
Do I need Workers' Compensation insurance?
Employers have a legal responsibility to their employees to make the workplace safe. However, accidents happen even when every reasonable safety measure has been taken.
To protect employers from lawsuits resulting from workplace accidents and to provide medical care and compensation for lost income to employees hurt in workplace accidents, in almost every state, businesses are required to buy workers' compensation insurance. Workers' compensation insurance covers workers injured on the job, whether they're hurt at the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Workers' Compensation provides payments to injured workers without regard to who was at fault in the accident. Compensation is for time lost from work and for medical and rehabilitation services. It also provides death benefits to surviving spouses and dependents.