Firefighter Health and Safety Practice

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Prepare for the Firefighter Health and Safety Exam. Study using flashcards and multiple choice questions with hints and explanations. Ensure you are ready for your test!

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What type of insurance would cover shoulder injuries sustained by responders from mounting a moving apparatus?

Health insurance
Workers compensation
Liability insurance
Property insurance

The correct answer is: Workers compensation

Workers' compensation insurance is specifically designed to provide coverage for employees who sustain injuries while performing their job duties. In the case of shoulder injuries sustained by responders when mounting a moving apparatus, these injuries occur in the course of their employment and are thus eligible for coverage under workers' compensation. This type of insurance not only helps pay for medical expenses resulting from workplace injuries but also provides wage replacement benefits for the injured worker during their recovery time. It is a crucial policy for protecting the health and financial stability of employees in high-risk professions, such as firefighting. Health insurance, while important for general medical coverage, typically does not specifically address injuries that occur as a direct result of job duties. Liability insurance protects against claims of negligence or harm caused to others, and property insurance covers damage to property, none of which are applicable in this scenario of personal injury sustained on the job.