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Even a minor workplace accident can do serious harm to an employee and can expose a business owner to liability. That’s why businesses are required by the state to carry workers’ compensation insurance.
This insurance covers the medical bills, rehab services and lost pay for employees who are hurt or become ill at work. It also pays a death benefit to the family members of an employee that is killed while at work.
The rates for workers’ compensation insurance vary by class. These classes are determined by the prior five years of loss costs for all businesses within that class, according to Nationwide.com.
Workers' compensation insurance covers employees' medical expenses, rehab and any lost wages that are due to a workplace injury or illness.