Your employer will likely provide several kinds of insurance to cover injury on the job, but they will not provide everything. Life insurance, for example, is a standout that sometimes isn’t offered by employers, is optional, or is only provided for a fixed term. Regardless of whether or not your employer offers life insurance, whether you accept or look through a different provider is up to you.
Life insurance offers peace of mind that your family will be taken care of in the event of your passing. If you do enough research, you can find agencies out there that will insure you even if you work in a high-risk job. Alternatively, some worker’s compensation plans will contain “death benefits” that are similar to life insurance, but may only pay out a limited amount, and are only viable if the employee dies while on the job. If you can afford it, purchasing life insurance, if available, in addition to your existing compensation insurance is the most secure option.