Which of the following is a legal requirement for most employers in relation to employees?

Most employers are required by law to have employers' liability insurance to protect against claims made by employees who may suffer from work-related injuries or illnesses. This type of insurance provides coverage for legal costs and compensation payments if an employee files a claim for damages. The requirement for such insurance is aimed at ensuring that employees have a means of financial support in case they face hardships due to workplace-related incidents, thereby reinforcing workplace safety and responsibility.

In contrast, health insurance, travel insurance, and life insurance, while beneficial and often provided by some employers as part of their employee benefits packages, are not typically mandated by law in the same way that employers' liability insurance is. Regulations can vary by country and jurisdiction, but the legal obligation primarily centers on employers' liability coverage to safeguard workers' rights and welfare in the event of workplace accidents or health issues.