Worker's CompensationEmployers are legally responsible for providing their employees with a safe work environment. However, accidents do happen and Worker's Compensation Insurance is designed to provide coverage when accidents happen. Workers Comp insurance provides coverage for medical treatment to an injured employee and compensation for a portion of their income lost as a result of their inability to return to work. In addition, it does offer the employer protection from lawsuits of employees injured on the job. The benefits are payable regardless of who is at fault.
While auto accidents are a primary cause of worker's compensation claims, accidents which occur driving to and from work are not covered.