Workers Compensation Insurance. Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Workers' compensation insurance provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time & more.
A workers' comp premium is likely a much better deal for your business.
For the employer, workers compensation provides a sole remedy, avoiding expensive civil litigation.
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Workers compensation insurance coverage can help to protect both you and your employees after a work-related injury or illness. Workers' compensation or workers' comp (formerly workmen's compensation until the name was changed to make it gender-neutral) is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence. Public liability insurance - covers you for third party death or injury, compulsory for certain types of companies.
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