This month we continue the discussion by focusing on workers compensation coverage. Workers compensation pays benefits to a worker who incurs a job-related injury or illness.
Coverage is included for medical bills and lost wages.
A common workers compensation regulation is that an employer of even one full-time employee must buy the coverage. There are several states where employers do not need to purchase workers compensation until they have several employees. Injured employees can sue to recover for their injuries even though the employer might not be required to have workers compensation due to the numerical exemption. Basic workers compensation Workers compensation coverage applies to all employees of the named insured. In some states, coverage will not apply to domestics, casual workers and farm workers.