Welcome to ASAP Business Insurance Services.
Why Workers Compensation Insurance?
There are two general purposes of workers compensation insurance. First, it ensures that workers get both medical care and compensation for lost income for injuries or illnesses that they suffer while at work, regardless of who was at fault. Second, it protects employers from most lawsuits brought by employees who suffered a work-related illness or injury. The system achieves these goals because it provides guaranteed benefits to employees hurt on the job, regardless of who was at fault for the injury or illness. In exchange for no-fault access to benefits, workers give up the right to sue their employers for injuries and illnesses related to work, making workers compensation the exclusive remedy for employees hurt at work in most situations.