What type of insurance protects workers injured on the job site?

Workers' compensation insurance is designed specifically to provide coverage for employees who sustain injuries or illnesses while performing their job duties. This form of insurance ensures that affected workers receive necessary medical care and benefits to compensate for lost wages during their recovery period, regardless of fault. It serves as a safety net for both employees and employers, as it typically protects businesses from lawsuits resulting from workplace injuries.

For instance, if an employee suffers a fall while working on a construction site and cannot return to work for several weeks, workers' compensation insurance would cover medical expenses related to the injury and provide wage replacement benefits. This type of insurance is mandated by law in most states, including North Carolina, to promote a safer work environment and to manage the financial consequences of workplace accidents effectively.

In contrast, general liability insurance primarily covers claims related to property damage or bodily injury that occurs due to business operations, but it does not specifically address workers' injuries. Project insurance typically covers risks associated with a specific construction project, and health insurance focuses on broader medical coverage rather than work-related injuries specifically.