Could general liability coverage help injured employees?
Many business owners are mistakenly under the impression that their general liability insurance covers their employees if they are injured on the job. This is a concern for many because it shows that many business owners do not understand their general liability insurance policy or comprehend the need to secure a separate workers’ compensation insurance policy.
General liability insurance, although it does cover property damage and bodily injury, it does not cover injury to your employees. To cover employee injuries, businesses must have workers’ compensation insurance.
Even if you only have one employee, your business needs workers’ compensation insurance. This insurance is designed to cover the injury to your employees if they are injured on the job. Workers’ comp insurance is there to pay their medical bills, their lost wages, and any rehabilitation costs or additional training that they may need in order to come back to work.
Workers’ compensation only covers job-related injuries, such as:
- Injury caused by the repetitive use of a body part at work
- Stroke caused by work
- Heart attack caused by work
- Other physical problems caused by work
- Pre-existing conditions made worse by work
Some injuries not covered are:
- Injuries at recreational events, like company picnics or softball games, unless your employer orders you to go
- Accidents during a drug or alcohol rehab program
Whether a client, vendor, third-party, or employee is injured in your place of work, be sure to act immediately and file a claim to protect your business.
Have more questions regarding your general liability insurance or workers’ compensation insurance? Talk to the professionals at Unisource Insurance Associates to get started on your tailored policy today!