Who is responsible for paying Workers' Compensation insurance?

In the context of Workers' Compensation insurance, the responsibility for payment generally lies with the employer. This is because Workers' Compensation is designed to protect employees by providing them with benefits in case of work-related injuries or illnesses without requiring them to prove fault.

Employers are required by law to carry Workers' Compensation insurance to cover medical expenses and lost wages for employees who are injured on the job. The premium for this insurance is calculated based on several factors related to the business, including the type of work being done and the safety record of the company.

While there may be instances where employees might have some costs deducted from their wages for various reasons tied to benefits or insurance coverage, the fundamental obligation to maintain and pay for Workers' Compensation insurance rests with the employer. This ensures that employees have immediate access to benefits should they need them, fostering a safer work environment and providing financial security for both parties involved.