What type of insurance policy typically covers only nonoccupational injuries?

An individual disability policy is specifically designed to provide financial benefits in case the policyholder becomes disabled due to injuries or illnesses that are nonoccupational in nature. This means that the coverage is typically limited to disabilities arising from situations outside of the policyholder's work environment.

Individual disability policies are tailored to protect an individual’s income when they face a disability that prevents them from performing their job duties, provided the disability is not related to their occupation. This is a critical feature for many self-employed individuals or those who have jobs with higher risks of work-related injuries, allowing them to secure benefits for situations unrelated to their employment.

Other types of policies mentioned may cover a broader range of issues or include occupational injuries, which is what makes them distinct from individual disability policies. Consequently, the focus of the individual disability policy on nonoccupational injuries is what solidifies its role in providing essential support during times when a person cannot work due to non-work-related disabilities.