Workers' Compensation Insurance

Workers' Compensation Insurance

Workers' compensation insurance is a state-mandated insurance coverage that provides benefits to employees who become injured or ill due to work-related accidents or conditions. It covers medical expenses, rehabilitation costs, and a portion of lost wages while the employee is unable to work. The insurance applies regardless of fault, meaning it provides coverage whether the injury was caused by the employer, co-worker, customer, or even the employee themselves. Workers' comp typically includes benefits such as medical care, wage replacement, disability benefits, death benefits to families, and vocational rehabilitation.