No one wants to see an employee suffer from an injury on the job. The employees definitely do not want to be injured either. However, there are certain jobs that do some with extreme risks. This is where occupational hazard coverage could turn out to be enormously helpful. Now, such coverage is not going to protect an employer against absolute gross negligence. Such a policy is not intended as a substitute for making sure the workplace is safe. It will, however, offer a financial safety net in case a terrible and unavoidable accident occurs.