What type of insurance covers medical care and rehabilitation for workers injured on the job?

Workers' compensation is a specific type of insurance designed to provide medical care and rehabilitation for employees who suffer injuries while performing their job duties. This insurance covers a wide range of costs associated with work-related injuries, including medical bills, rehabilitation services, and, in some cases, a portion of lost wages due to the inability to work during recovery.

The purpose of workers' compensation is not only to support the injured worker but also to protect employers from potential lawsuits stemming from work-related injuries. By providing a system of insurance that compensates employees for their injuries, it encourages a safer work environment while ensuring that employees receive necessary medical care promptly.

In contrast, general liability insurance typically protects businesses against claims of bodily injury or property damage made by third parties, and is not focused on employee injuries. Health insurance is designed to cover a broad range of medical expenses for individuals but does not specifically address work-related injuries. Property insurance protects physical assets owned by businesses from risks like theft, fire, or damage, and similarly does not pertain to employee medical care. Thus, workers' compensation is the appropriate type of insurance for covering medical needs and rehabilitation for workplace injuries.