Employers are legally obligated to take reasonable care to assure that their workplaces are safe. Nevertheless, accidents happen. When they do, workers compensation insurance provides two-fold coverage. It assures that injured workers get medical and rehabilitation care along with compensation for a portion of the income they lose while they are unable to return to work. It usually protects employers from lawsuits by those same workers.
Workers receive benefits regardless of who was at fault in the accident. If a worker is killed while working, workers comp provides death benefits for the worker’s dependents.