All State laws require every employer to provide Workers’ Compensation Insurance for their employees. Benefits such as: lost wages, medical expense, permanent disability or disfigurement are paid to employees who suffer a work-related injury. Most policies provide coverage for:

Employers Liability Protects employers for their legal liability for bodily injury by accident or disease to an employee arising out of and in the course of employment.
Bodily Injury By Accident Protects employers for their legal liability for bodily injury by accident or disease to an employee arising out of and in the course of employment.
Bodily Injury By Disease (Policy Limit) The aggregate limit the insurer will pay for all claims sustaining bodily injury by disease during the policy period.
Bodily Injury By Disease (Each Employee) The most an insurer will pay for damages due to bodily injury by disease to any one employee.