Where there are people there will be accidents and injuries. Some accidents are caused by employer negligence, employee carelessness, and by circumstance. This chapter will tell you about workers' compensation insurance to cover employees who are injured at work. You'll learn what you need to know to file a claim and about the care that injured workers are entitled to. Smart companies take measures to minimize injuries in the workplace. Take the time and expense needed to provide a safe environment and your efforts will be well spent.