Who is responsible for paying for workers' compensation insurance?

The employer is responsible for paying for workers' compensation insurance as part of their obligation to ensure a safe workplace and provide financial protection for employees who may suffer work-related injuries or illnesses. Workers' compensation is designed to cover medical expenses, rehabilitation costs, and lost wages for employees injured on the job, which means it's a cost that is typically absorbed by the employer to meet legal requirements and protect their workforce.

Employers are required to secure this insurance to comply with state laws, which aim to promote employee welfare by providing necessary support without the need for employees to prove fault for their injuries or illnesses. This helps create a more stable work environment and reduces the potential for litigation, as workers' compensation typically offers a streamlined process for obtaining benefits.