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Workers' Comp - A VERY general overview.

Whether you are an employee or an employer it is good to know about workers' compensation insurance.

This type of insurance works to protect the business from claims by employees who experience work-related injury or illness. This can include injury or illness sustained either on the business premises or due to business operations.

Typically, workers' compensation covers an employee's medical expenses, needed rehabilitation costs and lost wages. As a business owner, you may face penalties and/or fines for not having appropriate workers' comp coverage.

We can all help to minimize risk in the work place. First, make sure you and/or your employees have the proper training on equipment. Be sure you use the required safety gear - you may think you look goofy in goggles, but that will be better than losing sight in one or both of your eyes. Make sure you work space is kept clean and if you notice something like stair railing or equipment wires has come loose, let the appropriate people know and make sure it gets fixed.

For more information on workplace safety, check out for the Occupational Safety and Health Administration's resources and tips to limit work injuries.