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Definition of Liability

Liability is defined as being something for which one is liable for, such as a debt, responsibility or an obligation. Liability is an obligation that legally binds an individual or company to settle a debt. In regard to workers' compensation, liability has to do with an employer's responsibility or obligation to their workers in the event that when a worker suffers a work-related injury or illness that is covered by workers' compensation, the employer or their workers' compensation insurance company is liable to pay for any medical expenses that are related to that injury or illness and provide a percentage of lost wages while that worker is recovering and not able to work. In addition, there may be other workers' compensation benefits that the injured worker is entitled to.

For an injured worker, the good thing about their employer's liability is that almost any kind of injury or illness, with few exceptions, are covered by workers' compensation if that injury or illness occurs arising out of and in the course of that worker doing their job for their employer. Also, when it comes to the matter of whose fault the event was that caused the work-related injury or illness, fault is not taken into consideration by workers' compensation. Even if your injury was your fault, as long as you were doing your job for your employer, your employer or the insurance company is liable to pay you workers' compensation benefits.

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