Workers’ compensation insurance (also known as workmans’ comp insurance) provides benefits to employees for work-related injuries or illnesses including medical care, wages from lost work time, and more. Workers’ compensation insurance covers a deceased worker's family with a financial benefit as well. If a worker's family decides to sue the company, it can also help cover the related legal fees.

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Occupatinal Accident Insurance is a type of insurance that provides benefits to employees or the families of employees who are injured or killed in job-related accidents. It can be used to offer benefits to independent contractors and to classes of employees who are not covered by a government operated workers’ compensation policy.

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