Oregon Construction Contractors (CCB) Practice Test

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What is the primary goal of workers’ compensation insurance?

Provide legal protection to contractors
Offer medical coverage for work-related injuries
Substitute for health insurance
Cover all business losses

The correct answer is: Offer medical coverage for work-related injuries

The primary goal of workers’ compensation insurance is to offer medical coverage for work-related injuries. This type of insurance is designed to provide financial support for employees who suffer injuries or illnesses as a direct result of their job. It ensures that injured workers receive necessary medical treatment without facing significant financial burdens. By covering medical expenses, wage losses, and rehabilitation costs, workers’ compensation helps employees recover and return to work while also protecting employers from potential lawsuits related to workplace injuries. In contrast, the other options focus on different aspects of business and legal protections but do not directly address the core purpose of workers’ compensation insurance. Legal protection for contractors and coverage for business losses are important in their own right but are not the central focus of workers’ compensation. Additionally, while workers' compensation can provide certain benefits that overlap with health insurance, it is not a substitute for general health coverage, which serves a broader range of health needs beyond work-related incidents.