Workers compensation and general liability serve different purposes. Workers comp covers your employees when they are injured on the job — paying medical bills, lost wages, and rehabilitation costs regardless of fault. General liability covers injuries to third parties (customers, vendors, visitors) and property damage caused by your business operations. Most states require workers comp if you have employees, while GL is not always legally mandated but is essential for protecting your business. Learn about GL requirements in Alabama or Tennessee.
Many businesses need both policies. A contractor working on a client property needs GL to cover damage to the client property and workers comp to cover an employee who falls from a ladder. These policies do not overlap — a workers comp claim for an employee injury cannot be filed under GL, and vice versa. Get a quote from Bridgeway to bundle both coverages and save.
