Worker Compensation Insurance Provider

Workers' compensation insurance covers injuries and occupational diseases picked up at work. Fault doesn't matter; employers are liable even if the employee may have contributed to the injury or illness. It's required in every state except Texas, and specifics vary from state to state.  Workers' comp can cover all these areas:

• Injuries or loss of limbs

• Diseases like emphysema or repetitive motion

• Injury inflicted at work

• Medical treatment

• Rehabilitation

• Lost wages

• Death

• Liability insurance for the company for lawsuits filed by injured employees

Not every employer needs workers' compensation insurance, in some states, small companies with fewer than three to five employees don't.  Many states also give the employer the option to self-insure, that is, to cover the costs flowing from on-the-job injuries themselves.