Workers' Compensation Insurance provides a nonjudicial alternative for employees seeking compensation for their work-related injuries or illnesses. Instead of having to defend yourself in court, you can use workers' compensation to pay for the costs resulting from an employee's job-related illness or injury. These include:

• Hospital and physician services

• Prescription drugs

• Rehabilitation therapy

• Lost wages (when a disability prevents employees from returning to work)

• Legal expenses (if an employee sues you for the incident)

• Death benefits for the surviving family members if the employee dies