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Not only do most states require it, but the financial security of your business depends on it, even if you have only one employee. The coverage represents a compromise between employers and employees regarding employment related injuries or illnesses. Employees relinquish their right to sue employers if they suffer a job-related injury or illness. In return, employers agree to provide state-mandated benefits. The policy also provides employers liability coverage which protects you if you are sued for damages from employment-related accidents or diseases. |
