Its true. Any work related injury a business owner or their employees sustain while on the job is excluded from health insurance benefits. Cover yourself and employees on a Workers’ Compensation policy to collect from the following benefits, in the event an injury occurs.
Injuries or loss of limbs
Diseases like emphysema or repetitive motion
Injury inflicted at work
Lost wages (up to two-thirds of the salary)
Liability insurance for the company for lawsuits filed by injured employees