In some states, coverage will not apply to domestics, casual workers and farm workers. When a worker is injured in the course of working, medical bills incurred are automatically covered. Coverage for funeral expenses is also a part of the benefits provided. Sometimes a worker will sustain a life-long disability, such as losing a limb or the sight in one eye. Again, there is payment for that type of injury.
Employers liability is the second coverage that is a part of every workers compensation contract.
An example of a loss compensable under employers liability would be a male teacher who contracts chicken box from the students and becomes sterile as a result. Not every state includes chicken pox in its list of covered sicknesses or diseases. Should the man in this illustration sue as a result of the injury he sustained, employers liability coverage at the school where he works would respond. Riverside Hardware Store purchased a workers compensation policy that did not have any amendments to it. The store's insurance agent believed that was adequate coverage as he never modified any workers compensation contract that he sold.