What form of insurance provides coverage for losses from sickness or injury?

Disability insurance is designed specifically to provide financial protection in the event that an individual is unable to work due to a sickness or injury. This type of insurance typically replaces a portion of the insured's income during the period they are unable to perform their job duties, helping to cover essential expenses such as rent, mortgage payments, and everyday living costs.

Life insurance focuses on providing a financial benefit to beneficiaries upon the death of the insured, which does not address the needs arising from temporary or long-term disability due to sickness or injury. Property insurance, on the other hand, is concerned with protecting physical assets—like homes, cars, and personal property—from loss or damage, rather than addressing income loss from health issues. Casualty insurance generally covers legal liabilities and damages arising from injuries to other people or their property but does not provide direct benefits related to an individual's inability to work due to health-related reasons.

Overall, disability insurance is the only option that directly addresses the financial implications of being unable to work due to sickness or injury, thereby making it the appropriate choice in this context.