Workers Compensation Insurance is basically a form of no-fault insurance. It gives employees the right to collect from their employers for injury, disability, or death when the incident occurs within the course of employment. Workers Compensation laws are designed around the idea that employers should be charged with the cost of most work-related injury or occupational disease regardless of who is at fault. Therefore, there is no assumption of risk or contributory negligence. In return, these benefits are the exclusive remedy available to employees against employers for injuries covered by WC laws. In other words, employees cannot sue employers in court to obtain additional compensation.