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Workers' Compensation

Is General Liability Insurance The Same As Workers’ Compensation?

As the owner of a small business, you know that you couldn’t get things done without your loyal employees. When they are hurt on the job, you expect that your insurance policy will cover the costs of their medical expenses. But will it? If you think that general liability insurance will cover you, you might be in for a surprise. Here’s what you need to know.

General Liability Insurance

This type of coverage is what you use for unavoidable liabilities of a specific nature. What it does not do is cover injured employees. Things covered by general liability insurance include:

  • Injuries that a person visiting your business sustains.
  • Damage that you cause to another’s property without intent.
  • Issues like libel and slander.

Should your business be sued over incidents like those above, your general liability insurance will cover you.

Workers’ Compensation

Workers’ compensation is the type of insurance that will cover your costs should an employee be injured while performing their work duties. You can count on this type of insurance to help when:

  • A work-related injury to an employee requires medical care and recovery.
  • Your employee cannot return to work due to a covered injury (lost wages).
  • Dependent support and/or funeral costs when a work injury is fatal.
  • Liability damages if you are sued because of work-related injuries.

How They Differ

Each of these policies has similarities, but each is also unique. Workers’ compensation is required by state law when your business has a certain number of employees. General liability is important to carry even if you don’t have employees. You cannot predict when someone will trip on your property and sue you for their medical bills.

It is your responsibility to protect not only yourself, but your clients and your employees. When you carry both types of insurance, you have all of your bases covered. Neither is a stand-in for the other. As a small-business owner, it is important to carry both.

If you have been injured at work, call our team of workers’ compensation attorneys today. We will review the details of your case and advise you of your options. Do not settle for less than what you are owed, and never accept a denial of your claim without the advice of an attorney. Call now or browse our website for more information about our firm and how we can assist you.

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Our Charleston Personal Injury Lawyers are Here to Help You

At Christmas Injury Lawyers, our South Carolina injury lawyers provide representation after collisions, work accidents, construction accidents, accidents on property, and many other types of personal injuries. We believe firmly in the rights of injured victims and we have dedicated our careers to fighting for those whose lives have been derailed by accidents.

North Charleston Office
(843) 874-6564
1495 Remount Road
North Charleston, SC
Summerville Office
(843) 874-6564
105 S Cedar 
Suite D 
Summerville, SC 29483
Mt. Pleasant Office
(843) 874-6564
250 Mathis Ferry Road.
Suite 102
Mt. Pleasant, SC 29464
Columbia Office
(803) 766-0707
3135 Millwood Ave
Suite A3
Columbia, SC 29205
The information on this website is for general information purposes only. Nothing on this site should be taken as advice for any individual case or situation. This information is not intended to create, and receipt or viewing does not constitute client relationship.
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