1. Workers compensation is generally the exclusive remedy for a work-related injury, meaning the employee:

Receives statutory benefits regardless of fault but generally cannot sue the employer

Workers compensation provides no-fault statutory benefits and is generally the exclusive remedy, barring most tort suits against the employer.

2. Part One of the workers compensation policy provides:

Statutory workers compensation benefits required by law

Part One promises to pay all workers compensation benefits required by the workers compensation law of listed states.

3. Part Two (Employers Liability) of the WC policy covers:

The employer's liability for work injuries not covered by the comp law, such as certain lawsuits

Employers liability covers the employer's legal liability for work-related injuries that fall outside the statutory benefits, subject to limits.

4. Part Three (Other States Insurance) of the WC policy:

Extends coverage to states listed in the item that are not the insured's home state

Other States Insurance extends statutory coverage to states scheduled in Item 3.C. where the employer may begin operations.