Who is responsible for paying Workers' Compensation insurance?

Workers' Compensation insurance is primarily the responsibility of the employer. This insurance is designed to protect employees in case they suffer work-related injuries or illnesses. By law, most employers are required to carry this insurance to cover medical expenses and provide wage replacement for employees who are injured on the job.

This obligation serves as a form of financial protection for both the employer and the employee. It ensures that employees can receive necessary medical care and compensation for lost wages without having to resort to litigation against their employer, thus fostering a safer workplace environment.

While employees may contribute to their own benefits in certain contexts, particularly in group health plans, the primary and fundamental responsibility for Workers' Compensation rests with the employer. Government agencies may oversee compliance and regulation of Workers' Compensation laws but are not directly responsible for financing the insurance itself. Insurance companies provide the policies but do not bear the ultimate responsibility for ensuring that coverage is in place.