Workers’ compensation insurance covers employees injured on the job or in auto accidents while on business. It also covers work-related illnesses. For the employee, it provides medical care, lost wages and more. For the employer, it provides peace of mind by helping their business to avoid costly civil litigation and aid injured employees so they can recover and return to work. Worker’s compensation policies are an investment in the safety and security of the business’ employees.

Rules vary from state to state, but the general rule of thumb is for your business to have a workers’ compensation policy so that there is coverage for employees injured while on the job.