Workers' compensation insurance is a legal requirement. The insurance policy provides coverage when workers suffer injuries and illness at their place of work. So how does worker's comp insurance work, and what does it include?  What Is Workers' Compensation Insurance? Workers' compensation insurance provides protection for work-related injuries and illness. The policy provides medical care, disability compensation, and death benefits for workers injured or killed during work. In almost all the states, any business employing workers must maintain workers' comp insurance per labor laws.

The minimum auto liability coverage required by states aren't adequate for everybody; they may not offer you adequate protection depending on your circumstances. The higher your risk of facing a liability claim or lawsuit, the more coverage you should buy. Here are three examples of motorists who may benefit from increased liability coverage: Those Who Drive in Car Pools If you regularly carpool to work or school, you seriously need to evaluate if your liability coverage is adequate.