Is My Business Covered for injuries that My Employees Cause To Others?

bigstock-group-of-industrial-workers-i-36357172Business Insurance Update

Most businesses have employees who run the day to day operations. Employees are typically covered under a worker’s compensation policy if they are injured on the job.  However, what happens if an employee causes injury to a customer, vendor, or other third party?

In general, you are liable for acts your employees commit while they are doing their job.  A business or commercial insurance policy can provide protection for both the firm and your employees.  That means you will usually be covered by your business insurance policy unless there is a specific situation that is not covered. Exceptions and clauses may vary, but exclusions might include criminal acts or intentional acts.

Typically, a business policy will cover the employees while acting on behalf of the business, even if that is away from the premises.

Commercial business insurance provides wide-ranging protection for businesses and their subsidiaries under a single policy. There are various types of commercial business insurance that takes care of property, liability and workers’ compensation, to name a few. While property insurance covers damages to business property and products stored within the premises; liability insurance provides coverage for damages to third parties; and workers’ compensation insurance covers injuries to employees.

Established in 1981 and located in Roswell, Georgia, we are dedicated to providing excellent service and competitive pricing but most importantly, professional analysis of the insurance needs of our clients. Our state of the art computer network allows us to make rate comparisons with several insurance companies to ensure that our clients receive the best we have to offer. We can help you with all your insurance needs including auto/car insurance, business insurance, life insurance, and wealth management