Workers' compensation is a type of insurance that provides compensation and benefits to employees who suffer work-related injuries or illnesses, regardless of who was at fault. Workers' compensation protects employers from getting sued if any of their employees get hurt.
Prerequisite for Group Health Insurance
For legal protection, the majority of insurance carriers require a workers' compensation policy in place for any group that has at least one W2 employee. Note that this policy must be active prior to a company's desired effective date for health insurance coverage.