Which type of insurance covers employee injuries that happen during the course of employment?

Workers Compensation Insurance specifically covers employee injuries that occur during the course of their employment. This type of insurance is designed to provide financial assistance and medical benefits to employees who sustain work-related injuries or illnesses. It also protects employers from lawsuits related to these injuries, as the system typically requires employees to forgo the right to sue their employer in exchange for guaranteed compensation for their injuries.

Liability Insurance, on the other hand, generally protects against claims arising from injuries or damages that occur on the business premises or through business operations but is not specific to employee injuries. Unemployment Insurance provides financial assistance to employees who have lost their jobs through no fault of their own, rather than covering injuries sustained at work. Health Insurance is designed to cover medical expenses for a variety of health-related issues but does not specifically address work-related injuries or illnesses. Therefore, Workers Compensation Insurance is the appropriate choice for this context.