Michigan Workers Compensation Insurance: Why is Workers Comp Insurance King? And What That Means.

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Workers' compensation is a type of insurance that provides benefits to employees who suffer work-related injuries or illnesses.

The phrase "workers comp is king" suggests that, with an insurance claim, when you have a workplace injury or illness workers' compensation insurance will be the primary source of coverage over other policies, such as General Liability or Commercial Auto Insurance.

In most states and jurisdictions, workers' compensation laws are designed to provide a no-fault system, meaning that employees can receive benefits for their work-related injuries or illnesses without having to prove that their employer was at fault.

This is different from other types of insurance claims, where liability or fault can be a critical factor in determining if there is coverage.

So, the saying "workers comp is king," emphasizes the significance of workers' compensation insurance in the context of addressing injuries or illnesses that occur in the workplace and in this situations, that workers' compensation coverage is the primary and most relevant form of insurance.

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**DISCLAIMER: THIS IS NOT LEGAL ADVICE. USE AT YOUR OWN DISCRETION. THIS VIDEO INCLUDES MICHIGAN INFORMATION ONLY.