Which party typically pays the premiums for Workers' Compensation Insurance?

The premiums for Workers' Compensation Insurance are typically paid by the employer. This type of insurance is designed to cover medical expenses and lost wages for employees who are injured or become ill as a result of their work. By law, employers are generally required to provide Workers' Compensation coverage to protect their employees, which means they bear the financial responsibility for the associated insurance premiums. This arrangement not only safeguards employees but also helps businesses manage the risks and costs linked to workplace injuries, ensuring that they can continue to operate effectively while providing necessary support to affected workers.

In contrast, the government does not pay these premiums as it is primarily a private insurance matter, while the employee cannot be held liable for the costs of this insurance as it is intended to protect them. Third-party contractors may have their own insurance obligations, but they are not responsible for covering Workers' Compensation premiums for an employer's workforce.