Employers and business owners who operate from specific business premises are required to purchase workers' compensation insurance which pays for coverage of employees that suffer workplace-related illness or injury. Without being insured, the employer/business may be held liable to pay for claims from their own assets. In addition, the employee may directly sue the employer in court as you will not be protected by insurance. If you're just starting a business, below are some answers to basic questions you may have about workers' compensation insurance and benefits:
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