Things can happen off the vehicle that can lead to claims.  A classic example is that a person has just entered your business slips and then falls..  The words “slip and fall” seem to go hand in hand with general liability insurance.

Since the slip and fall situations are so common that people sometimes refer to general liability and “slip and fall coverage”.  Many business owners think of general liability insurance first, as this can protect you from many common risks.

Here are a few things to remember:

  • general liability DOES NOT provide auto insurance
  • general liability DOES NOT cover injuries to employee
  • general liability DOES NOT provide coverage for your property being damaged

If you have employees, and in many cases independent contractors, you will need workers compensation insurance to protect yourself.  In most locations, it’s actually a law that you must purchase workers comp insurance if you have employees.

 

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