Workers Compensation Insurance
Employers are legally responsible for providing their employers with a safe work environment. However, accidents do happen and worker’s compensation insurance designed to provide coverage when accidents happen. Worker’s comp insurance provides coverage for medical treatment to an injured employee and compensation for a portion of their income lost as a result of their inability to return to work.
In addition, it does offer the employer protection from lawsuits of employees injured on the job. The benefits are paid regardless who is at fault.