Utah Contractor Practice Exam

Worker's compensation insurance primarily covers which type of injuries or illnesses?

1. In all cases

2. In the event of theft

3. That are job-related

4. That occur while on any job

The correct answer is: That are job-related

Worker's compensation insurance is designed specifically to cover injuries and illnesses that arise out of employment. This means that it provides benefits to employees for work-related injuries, such as accidents that happen on the job or health issues that develop as a direct result of job duties. By focusing on job-related injuries and illnesses, worker's compensation ensures that employees receive medical care and compensation for lost wages due to their inability to work while they recover. This system helps to protect both the employer and the employee by providing a no-fault insurance mechanism; employees do not need to prove negligence on the part of the employer to receive benefits. The other options do not accurately represent the scope of worker's compensation. For instance, while incidents may occur on a job site or during work hours, not all of these events qualify for coverage unless they are job-related. Additionally, coverage does not extend to incidents of theft, as worker's compensation is focused on injuries and illnesses, not property issues. Thus, the core aspect of worker's compensation insurance revolves around its coverage for injuries and illnesses that directly stem from work activities.