Every employer knows it's a drag: Paying premiums for workers'compensation insurance for each employee to cover injuries that maynever happen, and when or if injuries occur they may even be thefault of the employee.
Reading the policies isn't fun either: They're filled withemployer duties and responsibilities. But under the workers'compensation system, employers are required to obtain insurancethat provides coverage for workers who suffer from work-relatedillnesses and injuries.
Compromise between employers and employees
As an agent, it's your job to help your clients realize thatworkers' compensation insurance is not as anti-employer as itseems. It's really a compromise between employers and employees.Employees receive benefits if they're injured regardless of who wasultimately at fault. Employers are protected from arduous andexpensive lawsuits brought by injured employees seeking monetarydamages for pain and suffering or mental anguish.
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