What is required from employers for compensating workers injured on the job?

Employers are required to have Workers' Compensation Insurance to cover the costs associated with employee injuries that occur in the course of their work. This insurance provides essential financial support for medical expenses, rehabilitation costs, and a portion of lost wages for injured workers, thereby ensuring that they are taken care of without the need for lawsuits against the employer.

Workers' Compensation Insurance is specifically designed to address the unique risks associated with workplace injuries and illnesses, offering a no-fault system that benefits both employees and employers. It protects workers by providing them with benefits regardless of fault, while it also limits an employer's liability for workplace injuries.

In contrast, Liability Insurance is generally meant to protect businesses from claims arising from negligence or other torts, not specifically tailored for worker injuries. Health Insurance usually covers medical needs unrelated to work and does not provide the comprehensive coverage required for job-related injuries. Disability Insurance offers income replacement in the event that an employee becomes unable to work due to disability but does not cover medical expenses or rehabilitation costs specific to workplace injuries.