Does General Liability Cover Employee Injuries?
Generally no. A worker’s job-related injury is usually handled by workers’ compensation, with employers liability addressing some separate lawsuits.
The ISO form excludes bodily injury arising out of employment, and workers’ compensation addresses statutory benefits while employers liability covers some separate lawsuits.
Ask your broker which policy applies to each injury scenario, including temporary and leased workers. Confirm the workers’ compensation states, covered entities, and limits match where and how your staff work.
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