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Most employees are covered by workers' compensation because their employers are required to pay for insurance. Likewise, most injuries that happen on the job or within the scope of employment are covered under workers' comp, or "compensable," to use worker's comp jargon. Injuries that are covered by workers' comp can be accidents, illnesses, sickness due to exposure, occupational disease, or cumulative trauma injuries.
Injuries that are often denied by insurance companies are stress-related or other psychiatric injuries, self-inflicted injuries, injuries caused by fighting or horseplay, or in the course of a crime, and injuries that occurred while under the influence of alcohol or drugs.