What insurance type covers injuries sustained by workers on a job site?

Workers' Compensation is the insurance type specifically designed to cover injuries and illnesses that arise due to an employee's job duties while on a work site. This coverage generally includes medical expenses, rehabilitation costs, and a portion of lost wages for workers injured on the job. The primary intent of Workers' Compensation is to ensure that workers receive the necessary support and care without the need to prove fault, thereby protecting both the employees and employers from potential lawsuits related to workplace injuries.

The other insurance options serve different purposes. Public Liability addresses claims made by third parties for injury or property damage, while General Liability provides broader coverage that may include claims of bodily injury and property damage but is not limited to workplace injuries. Unemployment Insurance, on the other hand, supports workers who are temporarily unemployed and does not cover injuries sustained on the job. Therefore, Workers' Compensation stands out as the correct answer for protecting employees’ health and financial wellbeing in the event of an on-the-job injury.