Does General Liability Insurance Cover Employees Who Are Hurt On The Job?
Did you know that general liability insurance coverage does not cover your employees if they are injured on the job?
This has been a question that’s been posed to us recently by several of our business clients who do not fully understand that they need a separate workers compensation insurance policy.
I want to make you aware that business general liability insurance, although it does cover property damage and bodily injury, there is an exclusion on there that it does not cover injury to your employees.
The reason that exclusion is there, is because you need to have workers compensation insurance coverage to cover your employees if they are injured on the job.
Who needs to have workers compensation insurance?
In the state of Maryland if you have one employee doing anything else other than clerical or more employees of course you have to provide them with workers compensation in accordance with state law.
Workers compensation insurance requirements vary by state, so please take time to verify with the state in which you do business in to verify the rules and requirements for your business.
Workers compensation insurance covers 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 rehab or additional training or things that they need to go through in order to come back to work.
So it’s important to remember that even though general liability insurance coverage rates may be based on payroll, it does not mean that they’re covering your employees if they’re injured on the job.
The complexities of workers comp insurance is also a great reason to reach out to your Trusted Choice Insurance agent. You want to make sure that you have all of the protections in place to cover yourself and your employees should something tragic happen.
Nancy Nicklow is the owner and President of Huff Insurance, a full service Independent Insurance Agent . We have been dedicated to Protecting Lifestyles™ since 1960. We offer a full array of Personal Insurance, Commercial Insurance and Life Insurance products. Call us at 410-647-1111
