Which insurance is often included in labor costs related to worker protection?

Worker's Compensation Insurance is a critical component of labor costs related to worker protection. This type of insurance provides benefits to employees who suffer work-related injuries or illnesses. It is designed to cover medical expenses, rehabilitation costs, and a portion of lost wages for employees unable to work due to their injuries.

Employers are typically required by law to carry Worker’s Compensation Insurance, as it helps ensure that employees receive timely and appropriate financial assistance while also protecting the employer from potential lawsuits arising from workplace injuries. This makes it a fundamental aspect of worker protection in various industries, including those involving fire alarm systems and other construction-related fields.

In contrast, general liability insurance protects businesses from claims of bodily injury or property damage caused to others, while health insurance provides medical coverage for employees not necessarily linked to work-related injuries. Life insurance, while important for overall employee benefits, does not directly relate to the protection of workers in the context of workplace accidents or occupational hazards.