Workplace injury insurance programs in the United States are governed by local law, that is, at the state level.
In some states, insurance programs only cover hazardous workers. Some programs do not apply to too small work teams, where 3-5 people or less work.
Employers fund occupational accident insurance programs. Their costs depend on how much workers risk their lives and health in a particular enterprise. While office workers usually make up only 0.1% of the total salary payments, then in enterprises with a high risk of injury, they cost 2.15% of salaries.
Each of these programs provides specific amounts and terms of payment of labor compensation to victims.