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Worker's compensation insurance provides benefits to employees for
work-related injuries. This includes injuries that may happen as a result of
materials and equipment they use as well as accidents that may occur when they
travel on company business. Coverage includes medical care and a portion
of lost wages when the employee is unable to work. Workers compensation
insurance also provides benefits for the employee's dependents if the
employee dies during work-related duty.
State laws require most employers to carry workers compensation
insurance.
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