what is workers compensation coverage a 
workers compensation coverage a refers to an insurance policy that protects employees under state laws and provides medical care death disability and rehabilitation benefits for workers who are injured or killed while on the job the insurer agrees to pay all compensation and benefits related to the insured employer s state s workers compensation laws without any regard to liability workers compensation coverage premiums are based on the employer s payroll and the type of duties its employees perform 1understanding workers compensation coverage a