Q: How do workers comp and liability insurance complement one another?
A: Workers comp and general liability insurance work together to protect the homeowner from claims for injury. If a worker falls off a ladder and breaks a leg, workers comp will pay for medical expenses and lost wages—but it only covers insured workers. If an unauthorized person should gain access to the site and get hurt, the liability policy will cover legal and medical expenses related to that injury. The litigious nature of our society makes both types of insurance crucial.