What characterizes an occupational accident insurance policy?

An occupational accident insurance policy is characterized by providing coverage for employees who sustain injuries while performing their job duties during work hours. This coverage is essential for protecting workers against the financial burdens resulting from workplace accidents, offering benefits such as medical expenses, rehabilitation costs, and lost wages. The focus of this insurance is on the workplace environment and the activities that employees engage in as part of their jobs, thereby highlighting its role in promoting worker safety and welfare.

The other choices are not aligned with the definition of occupational accident insurance. For instance, limiting coverage to only government workers would restrict the application of this insurance and does not reflect common practices where private sector workers are also protected. Similarly, stating that it does not cover any job-related risks contradicts the fundamental purpose of the policy, which is specifically designed to address job-related injuries. Lastly, while certain jurisdictions may have requirements for employers to provide some form of occupational accident coverage, it is not universally mandatory for all employers, as requirements can vary widely based on legal and regulatory frameworks. Thus, the sole focus on work-related injuries is the distinctive characteristic that makes option B the correct answer.