Which type of insurance would cover medical costs for employees who are injured on the job?

• A. Auto Insurance
• B. Health Insurance
• C. Worker's Compensation
• D. Employer Liability

Answer: (C)

When a worker is injured while performing job duties, the coverage designed for that situation is workers’ compensation. It’s a no‑fault system that specifically pays for medical treatment related to work injuries and often provides wage replacement and rehabilitation services. This coverage is arranged to address injuries that arise from work, regardless of who was at fault, and it’s usually mandated for employers.

Health insurance handles general medical care for non-work-related needs and may cover some treatment after the fact, but it doesn’t provide the dedicated, work‑related benefits or wage replacement that workers’ compensation delivers. Employer liability insurance covers legal claims for injuries that aren’t addressed by workers’ comp, not the routine medical costs themselves. So for medical costs tied to on-the-job injuries, workers’ compensation is the appropriate coverage.