General Liability GL
Offices, shops, and service businesses · Contractors who must give certificates to general contractors
Core protection if a third party alleges bodily injury or property damage arising from business operations.
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Commercial Lines
Workers’ Compensation WC
Statutory coverage for employee workplace injuries and related employer obligations.
Workers’ compensation pays medical bills and a portion of lost wages when an employee is hurt on the job. In most states, if you have employees, the law says you need it.
How it works
This is not a “nice to have.” It is the coverage state law uses so an injured employee does not have to sue the employer to get medical care and wage replacement. In return, the employer generally receives protection from many related lawsuits. Premium is driven by payroll and by class codes — a desk job is priced differently from roofing. We review headcount, how people actually spend their day, and whether 1099 help should really be treated as employees. Contractors often cannot step on a job site without a workers’ comp certificate.
Who this is for
- Any employer with W-2 staff, in states that require it
- Contractors who must show certificates to get on site
- Growing companies hiring their first employees
- Businesses using a mix of employees and subcontractors
What it typically covers
- Medical treatment for workplace injuries
- A portion of lost wages, as the state law provides
- Employer’s liability for certain related claims
- Compliance with state statutory requirements
A simple example
A warehouse employee strains a back lifting a pallet. Workers’ compensation is designed to pay the doctor and part of the missed wages. Without it, the business may face both the bill and a lawsuit.
Good to know
- Rules and required limits vary by state.
- Misclassifying employees as contractors is one of the fastest ways to create a gap.
Coverage, eligibility, and terms vary by location and underwriting.
Guides
Read this before you quote or apply.
Guide
What to review before renewing commercial liability
Limits, additional insureds, class codes, and the claims that actually blow through a $1 million GL policy.
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