Which coverage is specifically designed for workers who suffer from job-related injuries or diseases?

Workers Compensation is specifically designed to provide coverage for employees who suffer job-related injuries or illnesses. This type of insurance serves multiple purposes: it ensures that employees receive necessary medical treatment, offers wage replacement during their recovery, and provides essential benefits to ensure that workers can support themselves and their families while they are unable to work due to a work-related condition.

In addition, Workers Compensation laws are typically mandated by state law, requiring most employers to obtain this type of coverage to protect both employees and themselves from potential lawsuits arising from work-related injuries. This coverage is distinct from other insurances such as liability, which protects businesses from claims made by third parties; general health insurance, which provides broader coverage for various health issues; and disability insurance, which usually covers non-job-related injuries or long-term illnesses affecting an employee's ability to work.