Is the monthly financial compensation provided by the insurance company as a result of a work accident permissible or forbidden?

Work injuries resulting from the company's negligence and dereliction of duty obligate it to provide compensation. However, if the company took all necessary precautions and no negligence or dereliction of duty originated from it, then it is not obligated to provide compensation, because the default rule for inanimate objects is that they are considered "jubar" (i.e., their actions are not compensable). In this latter case, the worker is not entitled to compensation unless the employer voluntarily offers it. If the employer refers him to an insurance company, it is permissible to accept the gift from cooperative insurance. As for commercial insurance—which is the prevalent type—it is not permissible to accept from it except for the amount of premiums paid, because it is based on gambling. If the worker is not entitled to compensation and the company does not voluntarily offer it, but positive law obligates the company, then it is not permissible for him to take it.