Which type of insurance provides coverage for workplace injuries?

Workers' compensation insurance is specifically designed to provide financial assistance and medical benefits to employees who suffer injuries or illnesses as a direct result of their job. This type of insurance ensures that injured workers receive the necessary medical care, rehabilitation services, and compensation for lost wages while they are unable to work. The key feature of workers' compensation is that it typically protects both the employee and employer; employees are compensated for their injuries without the need to prove fault, while employers are provided with liability protection against lawsuits related to workplace injuries.

In contrast, the other types of insurance listed do not cover workplace injuries. Health insurance generally provides coverage for medical expenses unrelated to work, auto insurance covers damages and injuries resulting from vehicle accidents, and homeowners insurance protects against risks associated with residential properties, such as damage or theft. Each of these insurance types serves a different purpose and does not specifically focus on the unique needs associated with workplace incidents, making workers' compensation insurance the correct answer for coverage of workplace injuries.