Workers' compensation is state-mandated insurance designed to ensure payment by employers for some part of the cost of injuries, or in some cases, occupational diseases, received by employees in the course of their work.
What is Covered
Workers' compensation legislation requires the employer to furnish a reasonably safe place to work, suitable equipment with rules and instructions, when necessary. The employer is liable for an employee’s acts of negligence, for the employer’s own gross negligence, and for extraordinary risks of work. In most cases, the employer is not liable for accidents occurring outside the place of work, or for those which have not arisen directly from employment.