Workers Compensation Insurance Overexertion is the leading cause and direct cost of workplace injuries.* As a business owner, you want to keep your employees safe at work. Should the unfortunate happen and an employee suffers an injury or accident, workers compensation coverage protects you and your employees. Workers compensation insurance is required by law in most states and covers medical payments and lost wages due to a work-related illness or injury. This coverage also provides services to help an employee recover in order to return to work, and protects your business from being sued by an employee due to workplace conditions that resulted in an illness or injury.Workers compensation coverage offers valuable benefits for your employees and safeguards your business from any potential legal implications arising from a work-related accident.*”Top 10 Causes of Workplace Injuries: Liberty Mutual.” Claims Journal. January 2015.