If an inspector is injured on a builder's job site during his inspection, which insurance policy would provide coverage?

Workers' compensation insurance is designed to provide coverage for employees who are injured in the course of their employment. This includes injuries sustained while performing job-related duties, such as an inspector conducting an inspection at a construction site. In this scenario, if the inspector is classified as an employee of the company or is operating under an employment agreement, workers' compensation would cover medical expenses and a portion of lost wages resulting from the injury.

While general liability insurance typically covers claims for third-party bodily injury and property damage that occur on a job site, it does not provide coverage for employees injured while performing their job duties. Builders risk insurance focuses on property damage during the construction process and would not cover personal injuries to individuals. Therefore, workers' compensation is the most appropriate and relevant type of insurance that would provide coverage for the inspector's injuries on the job site.