Most business owners know that workers’ compensation insurance covers employees when they’re injured on the job. However, they may not know that policies in almost every state also pay their legal fees if an employee decides to sue for their injuries. Understanding this and other details about workers’ compensation coverage can come in handy should you ever have to file a claim.
Workers’ Compensation Coverage Parts
The majority of states use a standardized workers’ compensation insurance policy created by the National Council on Compensation Insurance (NCCI). The policy form has two coverage parts. The first coverage part, often referred to as part one, is the one most people understand as the policy that pays benefits to employees who suffer occupational injuries or illnesses.
