Which type of insurance provides coverage for an organization's liability for the occupational injury or illness of its employees?

• A. General liability
• B. Workers compensation
• C. Employer's liability
• D. Professional liability

Answer: (B)

The main idea is that workers’ compensation is the coverage that specifically handles injuries or illnesses employees suffer because of their job. It provides medical treatment and wage replacement to employees and, in many places, acts as the exclusive remedy—meaning employees typically can’t sue the employer in civil court for those on-the-job injuries. This is why it directly answers the question about liability for occupational injury or illness of employees.

General liability, by contrast, covers injuries or damage to the public or customers and property, not injuries to employees on the job. Employer’s liability is a related part of workers’ compensation that covers certain employer-related exposure not paid under the core benefits, such as some lawsuits or claims arising from workplace conditions, but it does not provide the standard on-the-job benefits itself. Professional liability covers errors or omissions in professional services, not worker injuries. So the workers’ compensation option is the best fit for this question.