Workers' compensation insurance protects employers and employees against financial loss in the event of a work-related injury or illness. Employers must continuously carry workers' compensation insurance for their employees.

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Workers Compensation

Workers' compensation is a “no fault” insurance program that provides medical treatment, wage replacement, and permanent disability compensation to employees who suffer job-related injuries or illnesses. It also provides death benefits to dependents of workers who have died as a result of their employment.

Occupational Accident Insurance

Occupational accident insurance (OAI) provides coverage for work-related injuries and death to employees and independent contractors not covered by workers’ compensation. OAI coverage is a type of accident insurance that is similar to workers' compensation, but not as comprehensive.