Pennsylvania Esthetician State Board Practice Exam

What type of insurance policy is required by law for workers?

1. Health Insurance

2. Liability Insurance

3. Worker's Compensation

4. Property Insurance

The correct answer is: Worker's Compensation

Worker's compensation insurance is a type of insurance that provides benefits to employees who are injured or become ill as a direct result of their job. This coverage is mandated by law in most states, including Pennsylvania, to ensure that workers receive medical care and compensation for lost wages due to job-related injuries. This protection not only safeguards employees but also helps employers by limiting their liability when workplace injuries occur. Since health insurance primarily covers medical expenses for a range of health issues not necessarily work-related, and liability insurance protects businesses from claims resulting from injuries or damage to others, they do not fulfill the legal requirements for employee protection. Property insurance, on the other hand, protects physical business assets but does not address employee injuries or illnesses at work. Therefore, worker's compensation is specifically required by law to cover work-related incidents, making it the correct answer.