Does General Liability Insurance Cover Injured Employees?

Will your general liability coverage take care of injured staff members?employee with arm in a sling

If you run a business, then you are responsible for the wellbeing of your staff.  Most business owners look to ensure the safety of their employees by securing the right insurance protection.  Unfortunately, some business owners incorrectly assume that their existing policies, such as their general liability insurance, provide coverage for injured employees.  It’s important to understand that general liability insurance only provides coverage for customers, vendors, and other third-party injuries.  The only way to secure coverage for your staff is with the right workers compensation insurance.  Here’s what you need to know.

  • Workers Compensation Insurance

The only way to protect your employees from workplace injuries and illnesses is with the right workers compensation insurance.  This type of coverage will address an injured employee’s medical expenses, lost wages, and rehabilitation costs.  However, workers compensation doesn’t just protect your employees—it also offers safeguards for your business as well.  For instance, should an injured employee decide to waive their workers compensation benefits in favor of suing your company, then this workers comp coverage can be converted to pay for your business’s legal and settlement costs.

  • Mandatory Coverage

Almost every state in the U.S. requires businesses to offer some minimum amount of workers compensation insurance coverage.  So, not only is offering workers comp coverage a great way to show your staff that you care about them, but it also ensures that you are not leaving yourself vulnerable to costly fines and legal trouble.

Interested in securing the right workers compensation insurance to keep your staff safe?  If so, then contact the experts at Miller Carlisle Insurance Services.  We are ready to assist you with all your business’s insurance needs today.