Insurance guide
General Liability vs. Workers' Compensation
These business policies address different risks and are often needed together.
General liability insurance commonly addresses third-party bodily injury, property damage, and certain personal or advertising injury claims arising from business operations. It generally does not replace coverage for employee job-related injuries.
Workers' compensation provides benefits for covered employee occupational injuries and illnesses and may include medical care, disability benefits, and employer liability protection. California employers must evaluate their legal obligations carefully when hiring workers.
Payroll, job duties, classifications, subcontractor practices, and ownership structure affect workers' compensation underwriting and audits. Accurate records reduce the risk of unexpected premium adjustments.