Monday, July 26, 2021

Know More About Workers’ Compensation

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If you’re a small business owner, your business is your lifeblood and deserves all the protection it can get. You need to look further than mandatory workers’ compensation and general liability to make sure you are covered for every possible scenario, and avoid skimping on optional coverage. We spoke to business owners and insurance and legal professionals to see what important policies many business owners should have but don’t.

General liability – If you own a business, this should be your first step in insurance. It protects you from a variety of claims, including bodily injury, property damage and personal injury. General liability coverage is typically combined with a business owners policy (BOP), which includes property and liability coverage.

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Like general liability, a workers’ compensation insurance policy generally comes with the territory of owning a business. Workers’ comp covers medical expenses, a portion of lost wages, rehabilitation and death benefits should an employee get injured or become ill on the job. Regulations vary from state to state, and employees are required to follow them.

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