What type of insurance covers expenses for injuries or death in specific settings?

The correct choice is blanket policies. Blanket policies provide coverage for injuries or deaths that occur in specific settings or circumstances. These policies are designed to cover a broader range of scenarios under a single limit, making them particularly useful for organizations or events that might present various risks. For example, a blanket policy could cover multiple events hosted by an organization at different venues, ensuring coverage for all those events under one contract.

This type of insurance is advantageous because it simplifies the administration of coverage for events that may have varying risks, as opposed to having separate policies for each location or event. This flexibility can help in managing both insurance costs and compliance with liability requirements.

Understanding blanket policies is crucial in contexts such as schools, sporting events, or community festivals, where the nature of activities might change while still needing consistent coverage for any injuries or incidents that could arise.