Workers compensation provides benefits to employees who get injured or sick from a work-related cause. It also includes disability benefits, missed wage replacement and death benefits.

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Without coverage, your employees can sue you for a work-related injury or illness to help pay for their medical costs or lost wages. 

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If your employee suffers a work-related injury or illness, workers’ compensation benefits can help cover their:

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• Medical expenses

• Lost wages

• Ongoing care costs

• Funeral expenses

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Most states require businesses with employees to carry workers’ compensation insurance. It’s your responsibility to buy coverage through a licensed insurance company.