Which of the following policies would cover a contractor's own employees for injuries sustained on the job?

Workers' Compensation is specifically designed to provide coverage for employees who suffer work-related injuries or illnesses. This type of insurance helps ensure that workers receive necessary medical benefits, wage loss, and rehabilitation services without having to prove fault or negligence on the part of the employer.

In the case of a contractor, having a Workers' Compensation policy means that if an employee is injured while performing their duties, they would be entitled to benefits under this policy. It creates a safety net for both the employer and employee by facilitating prompt medical treatment and compensation for lost wages, while also limiting the employer's liability in potential lawsuits arising from workplace accidents.

Other types of policies, such as General Liability or Owners and Contractors Protective policies, focus on aspects like third-party claims or construction project liabilities, and they do not cover on-the-job injuries sustained by employees. Contractual Liability typically pertains to obligations arising from contracts, which do not directly address employee injuries. Thus, Workers' Compensation is the correct answer as it directly addresses the coverage needed for a contractor's own employees injured on the job.