Workers compensation insurance isn't just for employees, though. It also protects employers from unnecessary litigation due to employee work-related injury and illness. That saves businesses time and money. So What is Workers Compensation Insurance?
 | Workers compensation insurance is a form of state-mandated no-fault liability insurance, meaning employers are liable for any losses that an employee suffers from occupational injury or illness, regardless of who was at fault. Employees do not have to prove employer negligence to collect benefits, in other words. |
| Workers comp provides medical expense and rehabilitative benefits to employees who are injured or disabled as a result of a job-related illness or accident. Loss-of-income benefits are also payable to a surviving spouse in the event of an employee's death. |
| The state mandates how much coverage the employer must buy and what percentage of each employee's salary the employer will pay in the event of an illness or injury. Employers pay 100 percent of their workman's comp insurance. Employees pay no part of the premiums. |
