Workers Compensation Insurance is paid for by the employer and provides cash benefits and medical care if an employee should become disable because of an injury or illness related to their job. If death results, benefits are payable to the surviving spouse and dependants as defined by law.

The exposure may exist even when an employer hires an "independent contractor," in the event that all of the "independent contractor" conditions are not satisfied. Workers' Compensation benefits are statutory and are paid by the insurance company in accordance with the state law.

These benefits may include medical and surgical assistance, financial compensation to the worker for his/her loss of earnings, death benefits, occupational or radiation diseases, or disability arising from such a disease or occupational injuries. This coverage is required by the state for any business owner.