Which type of insurance is primarily concerned with safeguarding employee rights?

Employers' liability insurance is specifically designed to protect the rights of employees by providing cover for claims made by workers who suffer injuries or illnesses as a result of their work. This insurance is a legal requirement in many jurisdictions and ensures that workers can seek compensation for damages without putting the financial burden solely on themselves.

It provides coverage for costs associated with legal action taken by employees against their employer for breaches of duty to provide a safe working environment. By safeguarding employee rights, employers' liability insurance not only helps protect the financial interests of the business but also promotes a safer workplace by encouraging employers to prioritize health and safety in their operations.

In contrast, public liability insurance primarily protects businesses against claims from third parties (customers or members of the public) for injury or property damage, motor insurance is focused on vehicles and their operation risks, and travel insurance typically covers risks associated with travel, such as trip cancellations or medical emergencies while traveling. Each of these types of insurance serves distinct purposes that do not specifically relate to the rights and welfare of employees in the workplace.