Workers Compensation Insurance 

Since workers' compensation insurance typically only covers injuries or illesses when they occur as a result of duties performed on the job or while at work, the scope of coverage of the policy is limited to duties performed by employees. These covered injuries can include lifting heavy equipment, slipping on a wet surface or sustaining an injury due to fires or explosions. Coverage generally includes:

• Medical bills for employees hurt or sickened at work.
• Ongoing care, including rehabilitation.
• Wages missed while recovering (often partial).
• Funeral expenses, if an employee is killed on the job.
• Death benefits to support the deceased's family.
• Lawsuits brought by injured employees.

Under normal circumstances, fault does not matter in a workers' compensation claim and  each state has its own workers' compensation system, which is a mandated program to compensate employees who are injured in a workplace accident or rendered ill because of the job.

It’s designed to ensure payment by employers for some part of the cost of injuries, or in some cases, of occupational diseases, received by employees in the course of their work.