Workers' compensation insurance covers injuries and occupational diseases picked up at work. Fault doesn't matter; employers are liable even if the employee may have contributed to the injury or illness. It's required in every state except Texas, and specifics vary from state to state.

Workers' comp can cover all these areas :

• Injuries or loss of limbs.
• Diseases like Emphysema or Repetitive Motion.
• Injury inflicted at work.
• Medical Treatment
• Rehabilitation needed so workers can return to work.
• Lost wages (up to two-thirds of the employee's salary).
• Death.
• Liability insurance for the company for lawsuits filed by injured employees.

Not every employer needs workers' comp—in some states, small companies with fewer than three to five employees don't. Many states also give the employer the option to self-insure, that is, to cover the costs flowing from on-the-job injuries themselves.
On-the-job injuries or resultant illnesses can be costly. Not having proper coverage against these expenses means you could be taking a big financial risk. You can cover the cost of medical expenses and disability payments with Workers' Compensation insurance.