What protects an employee's income if they become disabled or incur a work-related injury?

Workers' Compensation Insurance is designed specifically to protect employees by providing financial support in the event they become disabled or suffer a work-related injury. This type of insurance covers medical expenses related to the injury, rehabilitation costs, and lost wages during the recovery period. It serves as a safety net for workers and ensures they receive necessary benefits without the need for litigation against their employer.

Disability Insurance typically refers to policies that provide income replacement for individuals unable to work due to non-work-related sickness or disability, making it a different type of coverage that doesn’t directly address work-related injuries. General Liability Insurance focuses on protecting businesses from claims of bodily injury or property damage in non-work situations, while Professional Liability Insurance protects against claims of negligence in professional services provided, which does not apply to physical injuries sustained by employees while on the job.