Which coverage applies to employees that are injured during the scope of their employment?

Workers Compensation Insurance is designed specifically to provide financial and medical benefits to employees who suffer injuries or become ill as a direct result of their job-related activities. This form of coverage ensures that employees receive the necessary treatment for their injuries and aids in coverage for lost wages during their recovery period.

The key role of Workers Compensation Insurance is not only to protect employees but also to shield employers from lawsuits related to workplace injuries, as the law typically stipulates that employees cannot sue their employer for job-related injuries in exchange for these guaranteed benefits. Such arrangements create a no-fault system, ensuring that injured workers receive assistance quickly and efficiently without the need for legal action or proving fault.

General Liability Insurance primarily covers businesses against third-party claims for bodily injury or property damage that occur on their premises or due to their operations, but it does not extend to employees injured on the job. Health Insurance Benefits may help cover medical expenses, but it does not specifically address the unique needs and legal requirements of workplace injuries or illnesses. Professional Liability Insurance focuses on claims related to professional services and advice, protecting professionals from negligence claims, and does not pertain to workplace injuries suffered by employees.

Thus, Workers Compensation Insurance is the precise coverage that addresses employee injuries occurring within the scope of employment,