Can General Liability Insurance Cover Employees?
General liability insurance is primarily designed to protect businesses from third-party claims related to bodily injury, property damage, and personal injury. However, it does not typically cover employee injuries or illnesses incurred during the course of employment. This is where worker’s compensation insurance comes into play.
Worker's compensation insurance provides financial support to employees who get injured or fall ill due to work-related activities. It covers medical expenses, lost wages, and rehabilitation costs, offering protection for both the employee and the employer from lawsuits related to workplace injuries.
While general liability insurance may provide coverage for incidents that occur in public spaces or client interactions involving employees, it does not substitute the need for worker’s compensation. Employers are generally required by law to carry worker’s compensation insurance to ensure employee safety and compliance with labor regulations.
In summary, general liability insurance does not cover employees directly. Businesses should consider obtaining worker's compensation insurance in addition to general liability coverage to fully protect their workforce and mitigate risks associated with employee injuries on the job.