Carrying Workers’ Compensation Insurance (also known as Workers’ Comp Insurance) for a Business is not only generally required by law, but it is also an extremely important coverage type to have to protect you and your employees.

So what is the purpose of Workers’ Compensation Insurance? A Workers’ Comp policy will provide coverage in the event an employee becomes ill or injured on the job to cover medical costs, a percentage of lost wages, and protection in court in the event an employee sues you over workplace conditions causing the illness/injury.

What is covered? A worker’s comp claim generally provides coverage if an employee develops an illness or is injured due to their work duties. Some common examples of when injuries may be covered would be an employee cutting their hand using a tool or hurting their back while lifting a box.