Workers' compensation is a form of insurance that ensures continuance of a worker's pay if they are injured at work and as a result unable to continue working. Furthermore, this insurance covers the costs incurred as a result of any treatment of the injury by medical practitioners.
It is mandatory for employers to insure their employees have this insurance cover.
It should also be noted that an injured worker who is covered by worker's compensation insurance does not have the right to sue his or her employer for negligence. This is a part of the insurance contract.
For a workers compensation claim to be established, an employee or worker must be able to prove that he/she was injured at work or while doing their job.
The purpose of workers compensation is to compensate for the following possibilities: