{"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":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.1.1 - aioseo.com -->\n\t<meta name=\"robots\" content=\"max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n\t<meta name=\"author\" content=\"admin\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/www.upins.com\/blog\/is-workers-comp-always-a-no-fault-system\/\" \/>\n\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.1.1\" \/>\n\t\t<meta property=\"og:locale\" content=\"en_US\" \/>\n\t\t<meta property=\"og:site_name\" content=\"Blog | U.P. 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