The state’s workers’ compensation system requires that most employers carry an appropriate insurance policy. This policy should pay benefits to workers injured in the scope of employment. In other words, you are covered if you were hurt while working.
Some accidents and injuries occur outside your office or plant. That’s okay—provided you were working at the time. For example, some employees travel for company meetings or conferences, and you could be hurt in a hotel, conventions center, or out on the road.
Helpfully, workers’ compensation benefits are no-fault, so it does not really matter who is liable for the accident. In this way, workers’ compensation is different from car insurance, which turns precisely on questions of fault.