Protection for your people and your business
Key areas of workers’ compensation coverage
Workers’ compensation helps address the financial impact of workplace injuries and illnesses by providing defined benefits to eligible employees. It also helps employers manage their obligations and exposure when an employee experiences a work-related injury.
Wage replacement
Coverage can provide eligible employees with wage replacement benefits when a work-related injury or illness prevents them from performing their regular employment duties.
Medical benefits
Workers’ compensation can help cover eligible medical care and treatment required as a result of an injury or illness arising in the course of employment.
Workplace injuries
Coverage responds to eligible injuries that occur in the course of employment, helping employees access benefits and financial support following a workplace incident.
Work-related illnesses
Workers’ compensation can provide benefits for eligible illnesses or health conditions determined to have arisen because of an employee’s work or workplace exposures.
Employer liability protection
The workers’ compensation system can help protect employers from certain lawsuits related to covered workplace injuries in exchange for providing employees with access to defined benefits.
Supporting your workforce while managing business risk
The strategic advantages of workers’ compensation coverage
Workers’ compensation helps businesses support employees following workplace injuries while managing the financial and liability risks associated with workplace incidents.
Support for injured employees
Coverage provides eligible employees with access to medical and wage replacement benefits following qualifying workplace injuries or illnesses.
Greater financial protection
Workers’ compensation helps reduce the financial impact that workplace injuries can have on both employees and their employers.
Liability risk management
The workers’ compensation system provides defined employee benefits while helping protect employers from certain workplace injury-related legal claims.
FAQs for workers' compensation
Workers’ compensation provides eligible employees with benefits following work-related injuries or illnesses. These benefits can include wage replacement and medical support, depending on the circumstances and applicable workers’ compensation system.
Workers’ compensation generally provides benefits for eligible workplace injuries and occupational illnesses, including medical benefits and wage replacement when an employee cannot work because of a covered condition.
Eligibility depends on the employee, the nature and circumstances of the injury or illness, and the workers’ compensation requirements that apply to the employer and jurisdiction.
Workers’ compensation systems generally limit an employee’s ability to sue their employer for covered workplace injuries in exchange for access to defined benefits. Specific rights and exceptions depend on the applicable jurisdiction.
Workers’ compensation helps employers meet their obligations to employees following workplace injuries while managing the financial and liability risks associated with work-related incidents.
