Workers' Compensation is described as:

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The main idea here is that workers’ compensation is a mandatory safeguard for employees who get hurt on the job. Employers are required to carry this coverage, funding it so injured workers can receive medical care and wage replacement without having to prove fault. In return, workers usually give up the right to sue their employer for most workplace injuries. This obligation is a fundamental employer responsibility designed to ensure prompt, predictable support for injured workers and to limit costly court cases for employers. That is why the description in the question frames it as a federal requirement for businesses to purchase and maintain workers’ compensation. It’s not optional for most employers, it isn’t limited to government agencies, and it isn’t only for drivers—the coverage applies to most employees who are injured on the job.