Workers’ compensation insurance is designed to provide benefits to injured workers and to protect employers from injury lawsuits brought by employees. It pays for medical care, partially replaces lost wages during recovery from work-related injuries, and covers vocational rehabilitation for workers when needed. Generally, workers’ compensation is a no-fault system that provides benefits for workers injured on the job, regardless of who was at fault.
What Happens When an Employee Is Negligent?
In some cases, an illness or injury can be caused by employee negligence. For example, an employee may develop carpal tunnel syndrome over time because of failing to sit properly at his or her desk. A worker who fails to wear the protective gear provided by the company may breathe in toxic fumes and develop a respiratory disorder as a result. A construction worker who neglects to wear a helmet provided by the company may suffer a head injury from a falling object.
Incidental injuries such as these are usually covered by workers’ comp, even when the employee was negligent. However, there are certain exceptions to the rule.
Injuries Not Covered by Workers’ Compensation
Most workplace injuries, including those caused by employee negligence, are covered by workers’ compensation insurance. The types of injuries workers’ comp will not cover are:
Benefits Provided by Workers’ Compensation
For injured workers approved for benefits, workers’ comp provides:
Does Your Company Have Sufficient Workers’ Comp and Business Insurance?
Accidents can happen on the job and, with certain exceptions, injured workers are covered by workers’ comp regardless of negligence or fault for the accident. Our experienced agents are happy to meet with you to review your business insurance package and help ensure you have adequate coverage to meet you company’s needs, including general liability, professional liability, workers’ compensation, and other business and commercial insurance.