Workers’ Compensation

Workers’ Compensation is a “no-fault” system that protects employees injured on the job by paying medical expenses and providing income while they are unable to work. If an injury occurred in the course of employment, employees do not have to prove that the employer was at fault to receive benefits and employers may not be sued for damages due to work-related injuries and illnesses. State Workers’ Compensation statutes define the injuries covered, benefit levels, and how claims are resolved. Note that many states’ laws do have some exceptions to the “no-fault” rule. Under these laws, exceptions might include injuries arising from recreational activities, traveling to and from work, willful acts, self-inflicted injuries, and injuries caused by the worker’s intoxication from alcohol or a controlled substance. Use this Workers' Compensation policy template to create a policy that fits the needs of your organization.