Workers' compensation insurance protects employees and employers from liabilities associated with workplace injury and death. Workers’ compensation can provide medical care, disability, rehabilitation and survivor benefits to those injured or killed in work-related accidents.
Workers’ compensation insurance covers employees for injuries and illnesses sustained in the course and scope of employment, including:
Workers’ compensation insurance also covers an employer’s legal defense fees and settlements/judgments, should an injured employee sue for a WC-ineligible workplace injury. Workers’ compensation insurance does not cover every workplace injury. Coverage may be denied if any of the following apply to the injury: