Which type of insurance covers employees who are injured while working?

Worker's Compensation Insurance is specifically designed to cover employees who are injured or become ill as a result of their job. This type of insurance provides benefits such as medical care costs and lost wages to the injured employee, ensuring they receive the necessary support during their recovery. The primary purpose of this insurance is to protect both employees and employers; it offers employees a safety net for injuries sustained in the workplace without needing to prove fault, while it also limits the employer's liability.

Other types of insurance mentioned do not fulfill this role. Unemployment Insurance provides financial assistance to workers who are unemployed through no fault of their own, rather than covering work-related injuries. Subcontractor Insurance typically pertains to the insurance policies that independent contractors must carry and addresses risks associated with their work, not covering employees. Social Security Insurance is a federal program that provides retirement, disability, and survivor benefits, but it does not specifically address workplace injuries. Thus, Worker’s Compensation Insurance is the only option that directly relates to injuries sustained while working.