Who needs Workers' Comp?
What's covered
Doctor visits, hospital stays, surgeries, medications, and physical therapy for work-related injuries and illnesses.
Typically 2/3 of the employee's regular wages while they recover and cannot work.
Physical therapy, vocational training, and other services to help injured workers return to work.
Ongoing payments for employees who suffer permanent partial or total disability.
Payments to dependents if an employee dies from a work-related injury or illness.
Protection if an employee sues you for a workplace injury outside the workers' comp system.
What's not covered
Examples by industry
A stylist develops a repetitive-strain injury from years of cutting hair; workers' comp covers treatment and lost wages.
A line cook suffers a serious burn during a dinner rush; workers' comp pays the medical bills and time off.
A cleaner slips on a wet floor and injures their back on the job; workers' comp covers care and recovery.
An employee develops carpal tunnel from desk work; workers' comp covers the treatment.
A stockroom worker injures their shoulder lifting boxes; workers' comp pays for medical care and lost time.
A driver injures their back loading freight; workers' comp covers the medical costs and wages while they recover.
An employee is hurt in an office fall; workers' comp handles the medical expenses regardless of fault.
A technician falls off a ladder on a job site; workers' comp covers the hospital bills and recovery.
A camera operator strains their back hauling equipment on set; workers' comp covers treatment and lost wages.
An assistant is injured in a fall at the office; workers' comp pays for the medical care.
Part of the Knack guide
Learn Workers' Comp alongside every other coverage in our full guide.
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