1. The primary purpose of workers' compensation insurance is to:

Provide statutory benefits to employees for job-related injuries regardless of fault

Workers' compensation provides medical and wage-loss benefits for work-related injuries and illnesses on a no-fault basis as required by statute.

2. Workers' compensation benefits typically include all of the following EXCEPT:

Punitive damages for pain and suffering

Workers' compensation pays medical, disability, rehabilitation, and death benefits but generally does not pay pain-and-suffering or punitive damages.

3. Whether a worker is covered by workers' compensation often depends on:

Whether the worker is an employee rather than an independent contractor

Coverage generally applies to employees; correctly classifying workers as employees or independent contractors is essential to coverage.

4. A workers' compensation and employers liability policy generally provides:

Statutory benefits (Coverage A) and employers liability (Coverage B)

The policy's Coverage A pays statutory workers' compensation benefits, while Coverage B (employers liability) covers certain related lawsuits.