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WORKER'S COMPENSATION

Each of the states has its own laws pertaining to the statutory liability of employers for their employees.

The Workers’ Compensation policy provides compulsory insurance benefits that coincide with the Workers’ Compensation acts and statutes of each state.

 

In order to be covered under the Workers’ Compensation policy, an injury must arise from, and be related to, the injured worker’s job duties. The policy also provides benefits

for employers’ liability, which responds to an injured worker’s allegations that the insured business was negligent. Workers’ Compensation benefits are NOT provided for injuries that are not related to employment.

 

Workers’ Compensation insurance addresses different types of Workers’ Compensation laws, exempt workers, federal programs, Workers’ Compensation benefits, employer’s liability benefits, and the policy itself.

 

Workers’ Compensation insurance is the exclusive remedy for workplace injuries. This means an injured worker cannot obtain other insurance for workplace injuries or their related medical expenses and lost wages. Injured workers are not permitted to sue an employer for injuries if covered by Workers’ Compensation insurance.

 

Payment of Workers’ Compensation benefits is made regardless of the negligence of either the employer or the employee. Even if an employee contributed to his own injury, benefits must be provided.

 

In Virginia if you’d like to know more about the Worker’s Compensation regulations please see the link

below to the Bureau of Insurance.

https://workcomp.virginia.gov/content/employers (Accessed 05/03/2022)