In the majority of states, workers comp is required to be carried by the employer. It is insurance which provides health care for an employee if he or she gets hurt on the job. Also, this kind of insurance protects you from tort lawsuits brought on by the worker.

Workers compensation insurance can extend to other incidents besides accidents in the workplace. The coverage of work comp insurance can protect the worker in other locales besides the place of employment, even if they have a vehicle mishap during business hours. The accident doesn’t need to occur while on the premises. Ailments may be covered as well.

It compensates the employee when they are not able to show up to work since they are recovering from his or her injury, no matter who is to be at fault for the injury. In addition to the above mentioned benefits, the coverage provides a payment in case of death to the injured worker’s family. Individual states have specific and unique laws regarding workman’s comp.

When a business is seeking workers compensation insurance providers, they has to buy it independently from other types of coverage. BOPs, or business owner’s policies, are usually sold as property and liability packages, but these policies don’t come with the coverage for injured employees. Workman’s comp is offered as an individual policy.

The whole concept of workmans comp insurance dates back to the beginning of the 1900’s. Americans decided there was a necessity for workers to be safe from injury and needed to be paid for any accidental injuries which came about while on the job. It was a consequence of the public outrage over awful working conditions in addition to the dangers which accompanied some lines of work.

Workman’s compensation has been around longer than both unemployment and social security insurances. Most regions embraced this type of compensation around the start of the twentieth century, when the state of California enforced it. It’s a type of ‘no-fault’ coverage where no one has to prove the responsibility of the persons affected.

Some of the services that may be obtained, depending upon your situation, include disability coverages, work rehab, supplementary job change benefits, permanent disability coverage, short-term disability coverage, as well as death benefits.