Workers compensation policies are mandated by State law for all businesses with either full-time or part-time employees that fall under the workers compensation statute. It is the employees’ exclusive remedy for work- related injuries or diseases. The policy provides coverage for an employer’s two exposures arising out of injuries sustained by employees. Part One covers the employer’s statutory liabilities under work comp laws and Part Two covers liability arising out of employees’ work-related injuries that do not fall under the work comp statute.