What type of insurance provides coverage over worker's compensation in case of employee injury or death?

The correct answer focuses on liability insurance specifically designed for employees, which provides coverage in situations where an employee is injured or killed while performing work-related duties. This type of insurance typically offers protection against claims that arise from such incidents, ensuring that the employer can manage the financial repercussions and comply with legal obligations.

Workers' compensation laws require employers to provide coverage for employee injuries or deaths that occur in the workplace. Unlike general liability insurance, which covers third-party claims for bodily injury or property damage, liability insurance on employees creates a safety net for the employer in scenarios directly affecting their workforce.

Comparatively, general liability insurance does not exclusively focus on employee-related incidents and is more geared towards protecting the business against claims from clients or the public. Environmental insurance relates to environmental liabilities and issues rather than employee injuries, while property insurance focuses on damage to physical assets and does not encompass liability for workplace injuries. Thus, the choice that represents applicable coverage for employees is the one centered on liability insurance related specifically to them.