Protect employers from financial loss due to workplace accidents, medical care, and lost pay from workplace accidents.
Why do I need workers compensation insurance?
Employers are responsible to their employees to provide a safe working atmosphere. Even though this is true, accidents can happen.
To protect employers from workplace accidents, medical care, and lost pay from workplace accidents, businesses are required to buy workers compensation insurance. Workers compensation insurance covers workers injured on the job, whether they're hurt on the workplace premises or elsewhere, or in auto accidents while on business. It also covers work-related illnesses.
Each state governs their workers compensation differently.