What does occupational accident insurance offer?

Occupational accident insurance specifically provides coverage for injuries that occur to self-employed individuals while they are working on the job. This type of insurance is particularly important for those who do not have access to traditional workers' compensation benefits, which are typically available to employees of businesses. By offering this coverage, occupational accident insurance helps protect self-employed individuals from the financial impact of workplace injuries, covering medical expenses, rehabilitation, and some loss of income due to the accident.

The other options do not accurately reflect the purpose of occupational accident insurance. Personal injuries outside of work, for instance, would fall under other types of insurance, rather than the niche coverage designed for work-related incidents. General liability protection serves businesses by covering claims of bodily injury or property damage, which is not specific to self-employed individuals working on-site. Health insurance for seasonal workers also addresses a different demographic and does not focus on the workplace injury aspect that occupational accident insurance does.