Whether you own a retail shop, a construction company, or an electric company, on-the-job accidents are inevitable and can cause a great deal of physical and emotional hardship. A business must take care of their employees like family in order to have a more productive and effective working environment. If an accident occurs to an employee, you are responsible for the medical expenses and salary that the injured employee would have earned during the recovery period. Your workers compensation policy would extend to cover these expenses.