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Workers' Compensation Insurance is coverage for an employee's medical expenses, lost wages, and rehabilitation services that result from a workplace injury or illness.
Employees benefit from the program by receiving medical care after sustaining an injury or illness that is work-related. Injured employees receive a certain portion of their wages while they are off work for the treatment of such injury or illness, depending on state rules. States also establish their own rate of compensation when an employee loses a member, is permanently disabled or dies as a result of the work-related accident.
Workers’ compensation is a no-fault insurance program, meaning that the injured employee does not have to go the traditional tort route of proving negligence in order to recover. In exchange, the employee generally cannot sue the employer for his or her injuries.
In general the policy covers:
For an employee, owner, and officer's injury or illness that occurs due to the job.