Insured Solutions
Insured Solutions

What is workers’ compensation?

Workers’ compensation, often called workers’ comp or WC, is an insurance program that protects employers when an employee is hurt on the job.

When a company is covered by workers’ comp, insurance will replace the employee’s wages, pay their medical bills, and help with other injury-related costs for the employee. By law, each employer has a duty to care for its employees through WC coverage, while employees incur no cost. Employees pay no premiums, deductibles or co-pays.

Wisconsin enacted the first U.S. workers’ compensation program in 1911. By 1949 every state had a workers’ compensation system.*

* OLR Research Report