Keeping your employees safe at work is an essential part of running your business. However, in the unfortunate event that a worker sustains an injury, workers compensation coverage can provide you and your employees with extremely important protection.
Workers compensation covers lost wages and medical treatment resulting from work-related injuries or illness. It also includes coverages designed to assist with an employee's recovery and return to work. Coverages can vary by state as they are mandated by each individual state's laws prescribing amounts and duration times for benefits provided.
The employers liability portion of a workers compensation policy also covers the employer against tort liability arising from employee injuries. This coverage is primarily designed to respond to allegations of gross negligence on the part of the employer.