What type of insurance covers construction-related injuries to workers?

Workers' compensation insurance is specifically designed to cover injuries that employees may sustain while performing their job duties, including those related to construction work. This type of insurance provides benefits to workers who are injured or become ill as a result of their job, including medical expenses, rehabilitation, and a portion of lost wages if they are unable to work.

In the construction industry, where the risk of injury is often higher due to the nature of the work and potential hazards present on job sites, workers' compensation is essential. This insurance not only protects the workers but also offers liability protection to employers, ensuring that legal and financial responsibilities are managed in the event of a workplace injury.

In contrast, general liability insurance primarily covers third-party claims for bodily injury and property damage, but it does not cover employee injuries. Property insurance protects against loss or damage to buildings and equipment, while health insurance provides coverage for medical expenses unrelated to work injuries. Thus, workers' compensation insurance is the appropriate coverage for construction-related injuries to workers.