Which entity provides coverage for work-related illnesses and injuries as required by law?

Which entity provides coverage for work-related illnesses and injuries as required by law?

• A. General liability insurer
• B. Workers' compensation carrier
• C. Life insurer
• D. Auto insurer

Answer: (B)

The main concept here is that employers are required by law to provide workers’ compensation coverage for work-related illnesses and injuries. This insurance program delivers medical treatment and wage replacement to employees after a job injury, and in most cases it prevents the employee from suing the employer over those injuries. For a landscaping contractor, having a workers’ compensation carrier ensures you’re meeting this legal obligation and protecting both your workers and your business.

A general liability policy covers injuries or damage to third parties or property not caused by workers’ injuries on the job, but it does not satisfy the legal requirement to cover employees’ work-related injuries. A life insurer provides benefits on death or end-of-life events, not workplace injuries. An auto insurer covers vehicle-related risks, which is separate from on-the-job injury coverage. Therefore, the workers’ compensation carrier is the only option that fulfills the mandated protection for work-related illnesses and injuries.