What is workers' compensation insurance?
Workers’ compensation insurance, commonly known as workers’ comp, is insurance that covers medical expenses and a portion of lost wages for employees who become injured or ill on the job. Coverage also includes employee rehabilitation and death benefits.
Who needs workers’ compensation insurance?
Workers’ compensation insurance coverage is required by law in Michigan. Choosing to forgo workers’ comp coverage puts your company at high financial risk. You can face a lawsuit for workplace injuries and even be fined for breaking the law.
Keep in mind, workers’ comp insurance protects both your employees and small business. For example, employees who accept workers’ comp benefits typically can’t sue you for injuries or lost wages.
They can, however, sue you for things that aren’t covered under workers’ comp, such as negligence. In these instances, employer’s liability insurance can help protect your business. Most workers’ comp policies include this coverage.
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