Workers Compensation Insurance
This type of insurance protects employees and employers from liabilities associated with workplace injuries and possibly death.
Workers’ compensation insurance covers employees for injuries and illnesses sustained in the course and scope of employment, including:
- Medical Bills
- Disability Payments
- Rehabilitation and Recovery Costs
- Partial Missed Wages
- Funeral Costs and Survivor Benefits
- Employer’s Legal Defense Fees and Settlements/Judgments
Workers’ compensation insurance does not cover every workplace injury. Coverage may be denied if any of the following apply to the injury:
- Originated outside the workplace
- Self-inflicted
- Resulted from a fight started by the employee
- Related to a felony
- Claimed after an employee is terminated or laid off
- Caused while the employee was under the influence of drugs or alcohol