Workman's compensation insurance provides coverage for which of the following?

Workman's compensation insurance is specifically designed to provide benefits to employees who are injured or become ill as a result of their job. This insurance covers medical expenses, rehabilitation costs, and lost wages due to work-related injuries. The primary aim is to protect employees by ensuring they receive necessary medical care and financial support without the need for litigation against their employer.

In the context of this question, it's essential to understand that while employers may purchase this insurance to comply with legal obligations, the actual beneficiaries of the coverage are the employees. They are the ones who receive financial assistance when facing work-related injuries or illnesses, making this coverage primarily aimed at their welfare in the workplace.

Contractors and freelancers typically work under different arrangements; for example, contractors may be classified as independent and might carry their own insurance or have separate agreements with employers that do not fall under traditional employee coverage. Therefore, while they can be involved in similar work environments, they generally do not have the same rights and coverage through Workman's compensation as employees do. This distinction clarifies why employees are the correct answer in this context.