How is Workers' Compensation insurance different from general liability insurance for my business?
Workers' Compensation and general liability cover different risks for your business. Workers' Comp specifically covers injuries or illnesses to your employees that occur on the job. General liability, on the other hand, protects your business from claims of bodily injury or property damage that you or your employees cause to third parties, like customers or vendors. You often need both for comprehensive protection.
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THE KEY DIFFERENCE: WHO'S PROTECTED
Workers' Compensation covers your employees when they get hurt on the job. If someone on your crew falls off a ladder, gets injured operating equipment, or develops a work-related illness, workers' comp pays their medical bills and lost wages. General liability, on the other hand, protects your business when you or your employees cause injury or damage to someone else—like a customer who slips on your wet floor, or a client whose property your crew accidentally damages. Workers' comp covers people who work for you. General liability covers people who don't. Most Wyoming and Colorado businesses need both because each addresses completely different risks you face running a business.
WHAT WORKERS' COMP ACTUALLY COVERS
Workers' Compensation is required in Wyoming if you have even one employee—it's the law. It pays medical expenses for work-related injuries or illnesses, replaces a portion of lost wages while your employee recovers, and covers rehabilitation costs if needed. If an employee dies from a work-related incident, it provides death benefits to their family. Workers' comp operates on a no-fault basis, meaning it pays regardless of who caused the accident. In exchange, employees generally can't sue you for workplace injuries. This coverage protects your business from potentially devastating lawsuits while ensuring your team gets help when they need it.
WHAT GENERAL LIABILITY ACTUALLY COVERS
General liability protects your business from third-party claims—when someone who doesn't work for you says you caused bodily injury or property damage. If a customer trips over equipment at your shop and breaks their arm, general liability covers their medical bills and your legal defense if they sue. If your employee accidentally damages a client's building while working, it covers the repair costs. It also covers "personal injury" claims like libel, slander, or wrongful eviction. Unlike workers' comp which is legally required, general liability isn't mandated by law—but most clients, landlords, and contract partners require you to carry it. Together, workers' comp and general liability create a foundation of protection for Wyoming and Colorado businesses.
Looking for more FAQs?
If an employee gets injured, they should report it to you immediately. You then need to report the injury to your Workers' Compensation insurance carrier within a specific timeframe, usually a few days. The insurer will review the claim and, if approved, cover the medical treatment and other benefits. We can guide you through every step if an injury occurs.
The cost of Workers' Compensation insurance can vary significantly. Factors like your industry, total payroll, and claims history all play a role. For example, businesses in high-risk sectors like the oil fields might see higher premiums due to the nature of the work. For a personalized quote, give us a call with your business details!
While Workers' Comp covers most work-related incidents, there are common exclusions. Generally, injuries from non-work activities, pre-existing conditions not aggravated by work, injuries sustained while an employee is intoxicated, or intentionally self-inflicted harm are not covered. Understanding these specifics can help you manage workplace safety better.
Yes, in most cases, if you have employees, Workers' Compensation insurance is a legal requirement in both Wyoming and Colorado. It's not just about compliance; it protects your business from expensive lawsuits and ensures your employees are taken care of, fostering a safer and more secure work environment. Let's chat to confirm your specific requirements.
Workers' Compensation is designed to protect your employees if they suffer a work-related injury or illness. It typically covers medical expenses, a portion of lost wages if they can't work, and rehabilitation costs. This ensures your team gets the care they need without financial burden, and you are protected from direct legal costs.
Workers' Compensation and general liability cover different risks for your business. Workers' Comp specifically covers injuries or illnesses to your employees that occur on the job. General liability, on the other hand, protects your business from claims of bodily injury or property damage that you or your employees cause to third parties, like customers or vendors. You often need both for comprehensive protection.