Workers’ compensation insurance is an insurance program that offers benefits to employees who suffer job-related injuries or illnesses. Available in the US since 1949, it provides wage replacement and medical benefits to workers. It’s an important way that employers can help protect the people who work for them.

The workers’ compensation insurance program is “no-fault,” meaning that it kicks in whether or not the injury is the fault of an employee, the employer, co-workers, or even customers.

Businesses are required to pay the premium of the insurance, and in exchange for the cost incurred, employees are limited in their ability to sue their employer for negligence. After all, while it’s your job as a business owner to create a safe working environment for your employees, accidents do happen. So, while workers’ compensation coverage helps protect employees in case of injuries and death, it can also protect employers from costly lawsuits.

If understanding workers’ compensation insurance seems overwhelming, you’re not alone. CoverEase can help make workers’ compensation easy and awesome. We’ve taken the guesswork out of the process and we’re passionate about providing workers’ compensation insurance for all size businesses across the country.

Start My Quote