General Liability vs Workers Comp Insurance What s The Difference

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What’s the difference between General Liability Insurance and Workers’ Compensation Insurance for a business?

These are two of the most common business insurance policies, but they cover completely different types of claims — and most businesses need both.

In this video, we break down the basics of General Liability vs Workers’ Comp insurance in simple terms and explain how each policy works.

🔹 What General Liability insurance covers
🔹 What Workers Compensation insurance covers
🔹 Third-party injuries vs employee injuries
🔹 Common examples of each type of claim
🔹 Bodily injury & property damage claims
🔹 Medical expenses, lost wages & rehab coverage
🔹 Why most businesses need both policies in place
🔹 The simplest way to understand the difference between GL & WC

The easiest way to think about it:

General Liability = injuries or damage involving OTHER people

Workers Comp = injuries to YOUR employees while they’re working

If you own a business, understanding the difference between these two coverages is extremely important.