Which of the following is a key benefit of having workers' compensation insurance?

Having workers' compensation insurance is essential because it directly covers employee injuries that occur in the workplace. This insurance provides financial support for medical expenses and rehabilitation for injured workers, ensuring they receive appropriate care without the burden of out-of-pocket costs. Additionally, it typically provides income replacement for employees who cannot work due to their injuries.

By covering these costs, workers' compensation helps sustain the employer's relationship with their employees, promotes a safer workplace, and can reduce the likelihood of lawsuits stemming from workplace injuries. Employees can focus on recovery without the stress of financial strain, leading to a healthier and more productive work environment overall.

While the other options may have associated benefits, they do not represent the primary purpose and advantage of workers' compensation insurance.