As someone in the business, I can say without reservation that Workers Compensation is a scam. It's totally skewed toward employees (as is every law) and makes running a small business difficult at best. Why would the various state governments consistently allow this to happen when small business is the majority of business.

Let's say an employee does something completely stupid, like say...jump from a ten-foot height when steps are readily available. The employer has done everything required by OSHA to ensure a safe work environment, but the employee jumps anyway and injures their knee or ankle. Who's at fault? The employer of course. They must pay for the employee to be seen at the emergency room and any follow-up care. If the idiot employee has a permanent disability, guess who pays for that? You must've peeked. Let's sum this up, the knucklehead employee jumps from a height when he could've easily walked down a ladder. He injures himself because of stupidity and the employer is forced to pay with no recourse. That's the system my friends. Pretty fair, huh?