Does Commercial Insurance Cover Workers and Employees?

Commercial insurance protects businesses and companies, whether they are small and run out of your home, or are large and have multiple locations around the state or nation. One thing that many business owners struggle with, however, is whether or not commercial insurance covers workers and employees. You know that commercial insurance covers things like business vehicles, liability, property damage, etc., but will it take care of your staff if they are injured on the job?

Worker’s Compensation Insurance Vs. General Liability Commercial Insurance

Most commercial insurance plans have some amount of general liability coverage. For example, if your business accidentally causes damage to someone else’s property, this will likely be covered. Other things that will be covered include slander, trademark infringement, and libel. Finally, this type of coverage will take care of personal injuries that may occur when someone was injured on your property and can show evidence that it was caused by your negligence.

It is important to note that this type of commercial insurance does not cover your workers and employees. This is where worker’s compensation insurance comes in. Worker’s comp insurance is required by law in most industries, and it covers your employees if they are injured on the job.

Contact Monterey Insurance Group, Inc.

If you are a resident of Huntingtown, MD, or have a business in Calvert County, Monterey Insurance Group, Inc. can help you find the perfect commercial insurance policy for your business. We are proud to serve the residents of Calvert County, and we have a wide variety of policies and coverage options that can meet your needs.

Give us a call today, or come to one of our local agency locations in Huntingtown, MD to speak with an agent. We look forward to working with you!