Which type of insurance is typically required by employers to cover workplace injuries?

Worker's compensation insurance is specifically designed to provide benefits to employees who suffer work-related injuries or illnesses. This insurance compensates workers for medical expenses, rehabilitation costs, and lost wages resulting from job-related injuries. It serves to protect both the employee and the employer; employees receive prompt benefits for their injuries without needing to prove fault, while employers limit their liability concerning most employee claims for workplace injuries.

Worker's compensation is mandated by law in most states, making it a crucial requirement for employers to ensure they comply with regulations regarding workplace safety and employee rights. In contrast, health insurance generally covers medical expenses but does not specifically address injuries sustained in the workplace, liability insurance protects against claims from third parties, and disability insurance provides income support in the event of a long-term disability, which may not be directly related to workplace incidents. These other types of insurance do not fulfill the specific requirements intended to manage the risks associated with workplace injuries, thus making worker's compensation insurance the correct answer.