If you go to your personal physician with a specific injury, one of the first questions you likely will face is whether the injury happened at work. There's a good reason for the inquiry. If the trauma occurred outside of work, your personal or employer-sponsored health insurance receives the claim. If it was job-related, the claim goes to the company's workers' compensation insurer. Obviously, that difference in coverage influences claims processing and payment.
According to the 2016 Census of Fatal Occupational Injuries (CFOI) from the Bureau of Labor Statistics (BLS), 63.7 percent of worker fatalities occurring in the construction industry resulted from injuries sustained from one of the “Fatal Four” accidents.
Every employer in the state of New York is required by law to carry workers' compensation insurance. This coverage ensures payment and compensation for an injury or sickness caused by conditions in your workplace.