Workers compensation insurance is a contract primarily between which two parties?

Workers' compensation insurance is designed to provide benefits to employees who suffer job-related injuries or illnesses. The contract for this insurance is primarily between the employer and the insurance company. The employer purchases workers' compensation insurance to cover the costs associated with employee injuries, thereby offering protection for both the employer and the employee. This arrangement ensures that employees receive necessary medical care and compensation for lost wages without the need to prove negligence. The employer shares the risk with the insurance company, making the employer's role central in the contract while the employee benefits indirectly from the coverage provided.

In this context, while the employee and employer relationship is important, it is not the direct contractual relationship that dictates the terms and provisions of workers' compensation insurance. The focus is on the employer's obligation to provide coverage through an insurance policy, making the insurance company the other key party involved in the agreement.