{"id":136,"date":"2025-12-31T12:00:00","date_gmt":"2025-12-31T18:00:00","guid":{"rendered":"https:\/\/www.upins.com\/blog\/?p=136"},"modified":"2025-12-12T08:54:32","modified_gmt":"2025-12-12T14:54:32","slug":"is-workers-comp-always-a-no-fault-system","status":"publish","type":"post","link":"https:\/\/www.upins.com\/blog\/is-workers-comp-always-a-no-fault-system\/","title":{"rendered":"Is Workers&#8217; Comp Always a No-Fault System?"},"content":{"rendered":"<p>Workers&#8217; comp insurance is required for any business owner hiring employees. Whether employees get injured or fall ill on the job, workers&#8217; comp is a no-fault system that ensures they&#8217;re paid out for any immediate and long-term complications, helping them financially support themselves while also preventing them from being able to sue you for said injuries.<\/p>\n<p>But while workers&#8217; comp is cited as being a no-fault system, is this always the case? As it turns out, there are circumstances in which an employee may be denied or an employer may be faced with a lawsuit. We take a closer look at these circumstances so that you can know what to expect when it comes to your workers&#8217; comp insurance. If you&#8217;re planning on starting a business or expanding and need workers&#8217; comp, get in touch with us at U.P. Insurance Agency Inc., serving Negaunee, MI.&nbsp;<\/p>\n<h2>Is Workers&#8217; Comp No-Fault? Mostly, But There Are Exceptions<\/h2>\n<p>For the most part, workers&#8217; comp is no-fault. However, there are always exceptions to the rule. Here&#8217;s a breakdown of when no-fault may not apply.&nbsp;<\/p>\n<ul>\n<li>For Employees: Employees can engage in actions that lead to workers&#8217; comp denial. Some of these actions include being drunk or otherwise intoxicated on the job, engaging in serious misconduct or illegal behavior that unnecessarily puts them in harm&#8217;s way, or&nbsp;intentionally harming themselves in order to receive benefits.&nbsp;<\/li>\n<li>For Employers: Employers benefit from workers&#8217; comp by ensuring that employees aren&#8217;t able to sue. However, if they intentionally caused injuries or engaged in misconduct that can open them up to a lawsuit, then workers&#8217; comp will no longer protect them.&nbsp;<\/li>\n<\/ul>\n<h2>Cover Your Company and Your Employees With Workers&#8217; Comp Insurance<\/h2>\n<p>Make sure you have what your business needs with our help at U.P. Insurance Agency Inc., serving Negaunee, MI. Give us a call today.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Workers&#8217; comp insurance is required for any business owner hiring employees. Whether employees get injured or fall ill on the job, workers&#8217; comp is a no-fault system that ensures they&#8217;re paid out for any immediate and long-term complications, helping them financially support themselves while also preventing them from being able to sue you for said [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[12],"tags":[24,31,30,14,32],"class_list":["post-136","post","type-post","status-publish","format-standard","hentry","category-workers-compensation","tag-insurance","tag-mi","tag-negaunee","tag-u-p-insurance-agency-inc","tag-workers-comp"],"aioseo_notices":[],"_links":{"self":[{"href":"https:\/\/www.upins.com\/blog\/wp-json\/wp\/v2\/posts\/136","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.upins.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.upins.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.upins.com\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.upins.com\/blog\/wp-json\/wp\/v2\/comments?post=136"}],"version-history":[{"count":1,"href":"https:\/\/www.upins.com\/blog\/wp-json\/wp\/v2\/posts\/136\/revisions"}],"predecessor-version":[{"id":137,"href":"https:\/\/www.upins.com\/blog\/wp-json\/wp\/v2\/posts\/136\/revisions\/137"}],"wp:attachment":[{"href":"https:\/\/www.upins.com\/blog\/wp-json\/wp\/v2\/media?parent=136"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.upins.com\/blog\/wp-json\/wp\/v2\/categories?post=136"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.upins.com\/blog\/wp-json\/wp\/v2\/tags?post=136"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}