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Worker’s compensation provides compensation for employees’ lost wages, medical treatment, and death benefits for dependents of workers killed on the job. In addition to covering associated medical expenses, these benefits also cover follow-up appointments and physical therapy. The policies generally do not cover damages for pain and suffering, employee negligence, and punitive damages.
Businesses can avoid the true costs of medical expenses and lost wages resulting from workplace injuries and illnesses with workers' compensation insurance. Even one major workers' compensation claim could lead to irreparable financial harm without workers' compensation insurance.
Occasionally, even the safest workplaces experience incidents that result in employee injuries. A workers' compensation policy provides a safety net that provides medical and wage replacement benefits to injured workers. when they most need it.