1. WAGES FOR A REPLACEMENT EMPLOYEE. When a valuable employee is involved in a workplace accident, they might be off of work for a while. You can manage a few days, but what if is more like a few months to get them returning to work? In the interim, you may need to hire a temporary replacement worker to keep your business moving. Workers’ Comp doesn’t cover the replacement employee’s wages. That responsibility is on you. The good news? Workers’ Comp pays for two-thirds of the