Does Health Insurance Cover Work-Related Injuries?
If you're injured at work, probably one of the first things that comes to mind is, "Does health insurance cover work-related injuries?" While health insurance plans vary, typically, they don’t cover injuries that occur at work. But the medical bills and other costs associated with on-the-job injuries and illnesses can be covered by a workers' compensation policy.
Also called workers' comp or workman's comp, this type of insurance is required by law for nearly all businesses that have employees. It can cover things like medical care and help with lost wages as a result of an injury. So, that answers the question, "If I get injured at work, do I get paid?"
And if an employee dies as a result of their injuries, it can provide a death benefit to the person’s family. Plus, workers’ comp can provide employers with protection from certain types of employee lawsuits.

What’s not Covered by Work Injury Insurance?
Virtually every type of small business insurance policy has what insurers call exclusions—meaning things the policy won't cover. With workers' comp, those exclusions include things like injuries not related to the job, intentional injuries, and those that result from intoxication or substance abuse.
Our licensed insurance experts can help you understand work injury insurance exclusions.
Financial Protection and Peace of Mind With Work Insurance
The fact that an employer has work insurance for employee injuries provides powerful peace of mind. For the employer, it’s great to know that they’re meeting their legal obligation and that an employee injury won’t create financial hardship for the company. For employees, it’s comforting to have financial protection in the event of an injury and to know that their family won’t have to shoulder a potentially significant financial burden.
So, although the answer to the question, "Does health insurance cover work-related injuries?" is no, workers’ comp insurance does!
Learn About Your Employer’s Work-Related Injuries Policy
Workers' compensation insurance helps with work-related medical bills and other expenses. But it’s also good to learn about your employer’s work-related injuries policy.
How will the company support you as you recover from an on-the-job injury? How quickly are you required to return to work? It's important that you understand your responsibilities, your employer’s responsibilities, and the details around work accidents and compensation.
Other Small Business Insurance That Companies Need
Workers' comp is an essential part of every company's insurance strategy. However, there are other policies from biBERK that you should consider to ensure that your business is fully protected from financial issues associated with liability and losses. They are:
- General liability insurance
- Business owners policy (BOP—also called property & liability insurance)
- Errors and omissions (E&O) insurance
- Commercial auto insurance
- Umbrella insurance
- Cyber insurance
These policies provide excellent protection for the cost. And you can get quotes in minutes, purchase and manage policies, and even report claims online for maximum convenience.