What is the primary role of the insurer in a private insurance model?

In a private insurance model, the primary role of the insurer is to pay for claims made on the policy. This is the fundamental function of an insurance company, as it involves financial protection for the insured party against specific risks covered under the policy. When an employee suffers an injury or illness that is compensable under workers' compensation laws, it is the insurer's responsibility to process and pay valid claims to ensure that the employee receives the medical benefits, wage loss compensation, and other forms of support outlined in the policy.

The insurer operates under the premise of managing risk for the employer while ensuring that employees have access to necessary benefits when they sustain work-related injuries. This relationship emphasizes the financial aspect of insurance, which is critical in ensuring that workers can recuperate without the added stress of medical expenses or lost wages.

In contrast, other options present roles that, while relevant to workplace safety and employee support, are not the primary function of an insurer in a private insurance model. For instance, monitoring employer safety can be a part of the overall risk management strategy, but it does not encapsulate the main role of paying claims. Similarly, rejection of claims is not a primary function but rather a part of the claims processing mechanism, which ensures that only valid claims are