Workers’ Compensation Insurance

Workers’ compensation insurance covers employees who are injured or become ill as a result of their job. It helps pay for medical care, physical rehabilitation, and lost wages while the employee is unable to work. It can also protect the employer from being sued directly by the injured worker.

Yes. Nebraska law generally requires most employers to carry workers’ compensation insurance once they have one or more employees. Failing to carry required coverage can result in significant legal and financial penalties.

Without workers’ compensation coverage, your business would be directly responsible for the injured employee’s medical bills, rehabilitation costs, and lost wages. You would also be exposed to a lawsuit from the injured worker, with no insurance to cover the judgment.

Workers’ compensation typically covers both workplace accidents and occupational illnesses, meaning conditions that develop over time as a result of the work environment or job duties, such as repetitive stress injuries or exposure to harmful substances.

Many workers’ compensation policies go beyond basic coverage and include access to services like medical disability case managers, utilization management nurses, vocational rehabilitation consultants, physician consulting services, managed prescription drug programs, and legal staff.

Yes. Many carriers offer loss prevention programs that evaluate your workplace conditions and recommend changes to reduce the risk of injury. Fewer injuries mean lower claims, which can directly reduce your insurance costs over time.

For employees, it ensures they receive medical care and income replacement after a work-related injury without having to sue their employer. For employers, it limits financial liability, helps avoid costly litigation, and demonstrates a commitment to employee well-being, which can improve morale and retention.