True they were but their family probably wasn’t
The correct option is "a. There was no insurance so they would have to quit the job if the injury was severe."
During the Industrial Revolution in the nineteenth century, working conditions were dire and wages were misery., Working hours were from 12 to 13, even for children and jobs were repetitive and piecework. In the premises where the work was carried out there was no ventilation or hygiene, and the workers were crowded together with poorly installed machines. This circumstance caused explosions, accidents multiplied, the inhalation of toxic substances and the heat made the air unbreathable ... Thus, work became an unbearable task, with amputations of fingers and arms and many diseases were originated. It was a time of economic growth but the needs of the worker were ignored by system, and that the workers were considered vicious and responsible for this situation of bad life. And the worst is that this attitude was maintained during the nineteenth century and much of the twentieth. To eradicate this business situation, the Occupational Risk Prevention Laws were created.
The Navigation Acts (1651, 1660) were acts of Parliament intended to promote the self-sufficiency of the British Empire by restricting colonial trade to England and decreasing dependence on foreign imported goods.
In slavery the slave was not seen as a member of society so he could not buy, what he produced was not much and the expenses to bring and keep the slaves were becoming many.
It would be difficult to keep semi-wage earners on large properties: given the availability of land, they could try other forms of life - becoming artisans, squatters and small farmers, for example - which would complicate the flow of labor to the mercantile company, in which large traders and owners .