What is the main benefit of Workers' Compensation insurance for employers?

The main benefit of Workers' Compensation insurance for employers is that it reduces liability for work-related injuries. This type of insurance provides a safety net for employers by covering the costs associated with workplace injuries without the necessity for employees to pursue separate lawsuits against the employer. Essentially, this framework allows injured workers to receive benefits for medical expenses and lost wages, while employers are shielded from expensive legal battles and claims.

This system promotes a more stable working environment, as it helps ensure that employees receive prompt medical attention and support, which can be beneficial in maintaining workplace morale and productivity. Employers can thus focus on their operations without the ongoing concern of potential legal repercussions related to workplace injuries.

The other options don’t accurately address the primary purpose of Workers' Compensation insurance. Providing health insurance for all employees, guaranteeing employment, or covering only full-time workers are not core components of what Workers' Compensation is designed to accomplish.