You can reasonably expect an insurance company to pay for the cost of medical bills for employees who injure themselves while on the job. This would typically be covered under workers' compensation insurance, which is designed to provide coverage for medical expenses and lost wages resulting from work-related injuries.
The other options listed—hiring and training new staff, updating technology, and covering revenue shortfalls—are generally not eligible for insurance coverage, as they pertain more to business operations and management rather than insurable risks.