Workers’ Compensation insurance covers medical costs and lost wages for employees injured on the job.
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Employers Liability provides additional protection for certain employee-related claims not covered by workers’ comp alone. This policy is commonly reviewed during COI collection and tied to contract compliance tracking.

This video explains how these two coverages work together and why workers’ compensation is required in most states.

Why this matters: Workers’ compensation protects employees, while employers' liability protects the organization from related claims.

Missing or non-compliant workers’ compensation coverage can violate state law and immediately disqualify a vendor during COI review. Understanding this policy improves COI collection and compliance tracking across jurisdictions.