The Workers’ Compensation Commissioner’s office is responsible for enforcing the workers’ compensation law, but it does not award benefits. If the employer obtained an insurance policy, the employer is responsible for paying the premiums, while the insurance company (or adjusting firm) is responsible for paying the injured employee’s workers’ compensation benefits. If the employer is self-insured, the employer (or adjusting business) pays the injured employee’s workers’ compensation benefits. Any company that fails to offer insurance coverage for eligible employees as required by law may be liable to an employee for additional workers’ compensation benefits or civil damages under Iowa Code Section 87.21.