As an employer, you have an obligation to ensure a safe work place and the law requires a business to have Workers Compensation Insurance. Workers Comp insurance can provide the coverage to protect you from unpredictable occurrences. 

Workers compensation insurance spreads and shifts the risk for on-the-job employee injuries from employers to insurance providers. Doing so protects the business from work-related claims and legal exposure. Business owners can breathe easier knowing employees will be properly cared for if an accident happens without posing a threat to the company’s profitability or to its solvency. 

And workers compensation provides reimbursement regardless of who’s at fault for an on-the-job injury. If the injury occurs during the normal scope of normal job duties, workers compensation will pay all applicable benefits.