What is the primary function of workers' compensation insurance?

The primary function of workers' compensation insurance is to protect employees who are injured while performing their job duties. This type of insurance provides financial support for medical expenses, rehabilitation, and a portion of lost wages due to work-related injuries or illnesses. It is designed to ensure that employees receive necessary care and compensation without needing to prove fault or negotiate with the employer, thus allowing for a more streamlined process for both the employee and the employer in handling workplace incidents.

In this context, it is essential to understand that workers' compensation insurance addresses issues directly related to workplace injuries, making it a critical component of employee welfare and workplace safety regulations.