What is covered in a workers' comp policy?

It depends. The insurance benefits provided by a Workers’ Compensation policy are regulated by each state, thus, they may differ in each state in which you operate. A workers’ compensation policy provides coverage for lost wages, medical expenses, rehabilitation expenses, and death benefits resulting from an employee’s injury or illness that occurs due to the job. Incidents can range from sudden accidents to work-related illnesses/injuries that happen over time. Covered medical expenses can include hospital care, surgery, doctor visits, physical therapy, emergency room visits, prescription medication, etc. When an employee is unable to stay at (or return to) work, replacement income can be provided.