Every state you live in and work in has its own set of rule and regulations in regards to being hurt. Some businesses have great medical coverage and benefits while others have a poor selection of benefits to cover you. While this may be true, it is also true that regardless of the actual insurance plans every business most offers business workers compensation insurance to every employee. You can explore the web, know more about auto and homeowners insurance.
Workers compensation is very important for every business and employee. The only downfall is it can make the states lose money and is expensive at times. That is why more and more states are looking into using private insurers instead of using the Labour and Industries to supply the states with enough money for every business.
That goes for every home business, small business and/or large business in the states. It doesn't matter how long you have been employed there or how long the business has been up and running. It is mandatory by the states of the U.S. that every business provides work men's compensation to its employees. This goes for a business that is as small as 3 individuals or as large as hundreds of thousands. No matter the size, all businesses must be insured or they will be charged.
Work men's compensation covers you in case you get seriously hurt or injured on the job or on the job premises while working. You are even covered if you are in an automobile accident if you are on work time. You are also covered for minor injuries as well as mental illnesses that arise from the job as well as benefits if you die on the job.