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The employers will receive immunity from civil lawsuits by employees over such workplace injuries. Employers can meet their workers compensation obligation by purchasing insurance or by becoming a state-certified self-insurer.
Workers compensation was traced from the origins back to Germany. Chancellor Otto Von Bismarck introduced a compulsory state run accident compensation system in 1884. It was first instituted in the United States, in response to serious societal problems caused by a dramatic rise in the number of people injured in industrial settings.
Before workmen's' comp the only way for an injured worker to gain any compensation to pay for medical expenses and loss of employment income, was to hire a lawyer and prove negligence or malice as far as the employer was concerned...
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