Workers compensation is probably one of the easiest forms of coverage to explain to people. It is coverage that protects employees and employers from regarding job related injuries. If an employee were to be injured while working the coverage pays the employees medical bills and also covers a portion of wages until the employee is ready to go back to work. The coverage protects the employer from the exposure of having expenses related to an injured employees and the associated legal liability. The coverage also provides other benefits such as disability and death benefits to employees should a catastrophic event happen while on a the job site. Ultimately, the insurance is meant as a protective device for both the company and its most valuable asset, its employees.