Firefighter Health and Safety Practice

After recent vandalism at a fire station, which type of insurance would cover injuries to firefighters?

1. Health insurance

2. Workers' Compensation

3. Liability insurance

4. Property insurance

The correct answer is: Workers' Compensation

Workers' Compensation is designed to cover injuries to employees that occur as a result of their job duties, which includes firefighters while they are on duty. This type of insurance provides benefits for medical expenses, rehabilitation costs, and lost wages resulting from work-related injuries or illnesses. In the context of vandalism at a fire station, if any firefighters were injured during an incident related to that vandalism while performing their duties, Workers' Compensation would apply to cover those injuries. Health insurance, while important for overall medical expenses, is typically not specific to job-related injuries and does not provide the same type of coverage for work-related incidents. Liability insurance generally protects against claims of negligence or wrongdoing and wouldn't provide coverage for injuries sustained by the firefighters themselves. Property insurance protects the physical assets of the fire station but does not cover injuries to personnel. Therefore, Workers' Compensation is the most appropriate type of insurance in this scenario for covering injuries to firefighters.