What the coverage provides
Medical treatment for the work-related condition, partial wage replacement during recovery, rehabilitation support, and death benefits for dependents. In exchange, the system generally limits the employee's ability to sue the employer for the injury.
How cost is determined
Premiums are driven by payroll, job classification codes, and your experience modification rate — a factor reflecting your claims history against the average for your class of work.
Where an EOR changes the picture
When workers are employed through an Employer of Record, the EOR carries the coverage, manages the claims process, and absorbs the experience rating for that population.