Workers Compensation Insurance
Workers compensation insurance covers the expenses related to an employee’s work-related illness of injury. If a worker is injured on the job or develops symptoms because of their work environment, then their employer is required to cover their expenses and pay them for their time off. In most states, workers compensation insurance is required, and most businesses have it even if it isn’t legally mandated.
Workers compensation insurance covers both short and long-term medical expenses (like physical therapy or inability to work) along with a partial salary for the employee. Many policies also cover legal fees for the company in case any employees decide to sue because of their workplace injuries.
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