Which insurance is designed to protect clients from loss due to sickness or accidents?

Personal accident and sickness insurance is specifically designed to protect clients from financial loss resulting from illnesses or accidents. This type of insurance typically provides benefits in the form of income replacement and medical expense coverage when an insured individual is unable to work due to a covered accident or illness.

The coverage aims to support individuals during times of unexpected health-related events that can impede their ability to earn income. This can include situations like temporary disability from an accident, long-term illness, or specific conditions that necessitate time away from work to recover. The benefits can be crucial in helping policyholders cope with the financial hardships that arise from being unable to work.

The other options do not primarily focus on covering losses from sickness or accidents. Travel insurance mainly protects against losses related to travel disruptions, such as trip cancellations or lost luggage. Industrial special risk insurance covers specific risks and liabilities within industrial operations but does not focus on personal health incidents. Crop insurance is intended to protect farmers against the loss of their crops due to natural disasters or market fluctuations, which is unrelated to personal health or accidents.