Employers are required by law to have workers' compensation insurance for all employees. Workers' compensation insurance is designed to create a system of compensation for a worker who has been injured in a work-related accident. If the injury is fatal， the family usually receives the resulting insurance money. As the employer， workers' compensation insurance offers the benefit of protection from employee lawsuits filed to collect compensation for work-related injuries. Therefore， the employer may avoid paying the large settlements and attorney's fees that often result. Workers' compensation insurance also reduces the role of an attorney in collecting compensation after the accident， thereby reducing the costs to both the employer and employee. State laws may vary regarding how the insurance is provided and what it covers. For more information about workers' compensation insurance， contact a qualified attorney.

　　翻译：根据法律规定雇主须给所有雇员购买工伤补偿保险，工伤补偿保险目的是为与工作有关的事故中受伤的工人建立一个赔偿系统。如果工人受到的是致命的伤害，他的家庭通常可获得保险金。对雇主来说，工伤保险避免了雇员向他提起法律诉讼来索要因工伤引起的赔偿，另外，雇主也可避免支付大笔的安置费和律师费用。工伤补偿保险也简化了律师在工伤事故发生后收集索赔证据的作用，因此，也给雇主和雇员降低了诉讼成本。各州法律在保险如何支付及应该覆盖的范围各有不同。欲知工伤补偿保险的详细信息，可与资深律师联系。

　　1、fatal 来自拉丁语fatalis

　　（1）致命的；毁灭性的

　　a fatal car accident 致命的车祸

　　（2）生命攸关的；不幸的