What type of coverage is included in workers' compensation insurance?

Workers' compensation insurance specifically provides benefits for employees who are injured or become ill as a direct result of their job duties. This coverage is designed to support employees by covering medical expenses, rehabilitation costs, and a portion of lost wages while they are unable to work due to their injuries. It operates under a no-fault system, meaning that benefits are paid regardless of who was at fault in the incident. This is crucial for creating a safer workplace environment, as it encourages employees to report injuries without fear of losing their jobs or facing retaliation.

In contrast, the other options refer to different types of insurance coverage that do not fall under workers' compensation. Protection against libel and slander relates to personal injury insurance, damages from equipment failure pertains to property or equipment insurance, and liability for professional negligence is associated with professional liability insurance. Each of these options addresses distinct areas of risk and does not overlap with the specific benefits that workers' compensation provides for workplace injuries.