Workers’ compensation insurance is a type of insurance that provides benefits to employees who are injured or become ill as a result of their job. This insurance is mandatory in most countries and is designed to protect both employers and employees in the event of a workplace injury or illness.

Workers’ compensation insurance covers a range of benefits, including medical expenses, lost wages, rehabilitation, and death benefits. These benefits are paid out to employees who are injured or become ill on the job, regardless of who was at fault for the accident.

In order to receive workers’ compensation benefits, the injured employee must notify their employer as soon as possible and provide evidence of their injury or illness. The employer must then file a claim with their workers’ compensation insurance carrier, who will investigate the claim and determine the amount of benefits to be paid.

It’s important for employers to have workers’ compensation insurance in place to protect their employees and their business from potential financial losses due to workplace injuries or illnesses. Without this insurance, employers may be responsible for paying out-of-pocket for these costs, which can be significant.

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