What type of insurance coverage is provided for an employee injured on the job?

Workers' compensation is specifically designed to provide coverage for employees who are injured while performing their job duties. This type of insurance covers medical expenses related to the injury, rehabilitation costs, and often provides a portion of lost wages while the employee is unable to work. Workers' compensation serves to protect both the employer and the employee; it shields the employer from potential lawsuits from injured workers and ensures that employees receive benefits without having to prove negligence.

In contrast, health insurance primarily covers medical services and treatments but does not typically cover job-related injuries specifically. Disability insurance provides income replacement in the event that an employee is unable to work due to non-work-related illnesses or injuries. Liability insurance protects businesses from claims that may arise from injuries or damages caused by the business, but it does not take the place of workers' compensation for job-related injuries.