“Workers Comp is meant to be the sole exclusive remedy for workplace injury”. That means, if you have Workers Compensation Insurance, your employees do not need to file a suit against you to get medical treatment for injuries that occur while working. Coverage is also included for indemnification to the employee for lost wages and an employers liability section that can pick up defense and damages for situations of gross negligence. Most states require that all employers provide workers compensation coverage, Texas is one exception to that rule.