Which type of insurance is designed to cover medical expenses due to workplace injuries?

Workers' compensation insurance is specifically designed to provide coverage for medical expenses and other costs associated with injuries or illnesses that occur as a direct result of a person's employment. This type of insurance ensures that employees receive the necessary medical treatment and partial wage replacement during their recovery period, thus protecting both the employee and employer from the financial burden of workplace accidents.

Unlike health insurance, which may cover a wide range of medical expenses unrelated to work, workers' compensation focuses solely on work-related injuries and illnesses. Disability insurance, on the other hand, provides income replacement when an individual cannot work due to a disability, but it does not necessarily cover medical expenses directly tied to workplace incidents. Liability insurance protects businesses from claims resulting from injuries or damages they may cause to others, but it does not provide coverage for employees injured on the job.

Overall, workers' compensation insurance is the most appropriate and designated coverage for medical costs arising from workplace injuries, making it the correct answer for this question.