Which type of insurance is designed to cover health issues related to work?

Workers' compensation insurance is specifically designed to provide coverage for health issues and injuries that employees may encounter as a result of their work. This type of insurance not only covers medical expenses related to work-related injuries but also offers benefits for lost wages during recovery, rehabilitation costs, and, in some cases, benefits for permanent disabilities resulting from work injuries.

The purpose of workers' compensation is to protect both employees and employers. For employees, it ensures that they receive necessary medical care and financial support if they are injured or become ill due to their job. For employers, it reduces the risk of lawsuits related to workplace injuries since employees forfeit their right to sue the employer in exchange for these no-fault benefits.

Other types of insurance mentioned serve different purposes: general liability insurance covers legal liabilities arising from accidents or injuries on the business premises; life insurance provides financial support to beneficiaries upon the death of the insured; and professional liability insurance protects professionals against negligence claims related to their professional services. Each of these types of insurance has distinct objectives and does not address health issues related to work in the same manner as workers' compensation does.