Final answer:
Disability insurance is the type of insurance that reimburses for lost income due to a permanent or temporary illness or injury, distinct from workers' compensation, liability insurance, and commercial health insurance.
Step-by-step explanation:
Reimbursement for lost income as a result of a permanent or temporary illness or injury is known as disability insurance. This type of insurance provides financial benefits to individuals who are unable to work due to a qualifying disability, which can be either short-term or long-term. It's different from workers' compensation, which specifically provides benefits to workers who suffer job-related injuries or illnesses. Liability insurance offers protection against legal claims, not lost income due to illness or injury, and commercial health insurance typically covers medical care costs rather than income replacement.