Benefits of Workers Compensation Man Under Car

The Benefits of Workers’ Compensation

Why Every Employer Should Have an Injury Care Program

In most states, all employers are required to purchase insurance for their employees from a workers' compensation insurance carrier. In some states, larger employers with enough assets are allowed to self-insure, or act as their own insurance companies, while smaller companies (with fewer than three or four employees) are exempt.

When a worker is injured, their claim is filed with the insurance company (or self-insuring employer), which pays medical and disability benefits according to a state-approved formula. Unless they fall within limited, exempt categories, employers without workers' compensation insurance are subject to fines, criminal prosecution, and civil liability. 

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