What type of coverage protects against employee injuries on the job?

Workers' compensation insurance is specifically designed to protect employees who sustain injuries or illnesses while performing their job duties. This type of coverage provides medical benefits, wage replacement, and rehabilitation costs for employees injured on the job, without the need for the employee to prove fault. It serves to ensure that workers receive necessary care and compensation while also limiting the liability of employers for workplace injuries, as it typically provides immunity against lawsuits related to those injuries. This framework creates a balance between the needs of injured employees and the operational concerns of employers.

In contrast, general liability insurance primarily covers claims related to third-party bodily injury and property damage, rather than injuries of employees. Health insurance is designed to cover medical expenses for individuals but does not specifically address workplace injuries. Property insurance protects tangible assets from damage or loss, and does not pertain to employee injuries either. Thus, workers' compensation is the only option that directly addresses the protection against employee injuries in the workplace.