What type of insurance provides coverage for employees injured on the job?

Worker's compensation insurance is designed specifically to provide coverage for employees who suffer injuries or illnesses due to their job responsibilities. It ensures that injured workers can receive medical care and compensation for lost wages without needing to prove fault on the part of the employer. This type of insurance also protects employers from lawsuits related to job-related injuries, as employees typically relinquish their right to sue in exchange for guaranteed coverage provided by the worker's compensation system.

Liability insurance and employer's liability insurance serve different purposes and do not directly cover employee injuries. Liability insurance generally protects businesses from claims resulting from injuries or damages caused by their operations, while employer's liability insurance specifically protects employers against lawsuits filed by employees for work-related injuries or illnesses beyond what worker's compensation covers. Health insurance, while crucial for general medical needs, does not specifically address workplace injuries or provide the protections afforded by worker's compensation.