Commercial General Liability for Staffing Insurance

staffing agency insurance

There are plenty of coverage options for staffing insurance, but it’s best that business owners start out with the basics. General liability is common on a variety of insurance policies outside of staffing agencies, and with good reason. To better understand the more complex policies, staffing agency owners should get a firm grasp on the basics.

Two-Part Coverage

One of the first things to know about general liability for staffing agency insurance is that it’s divided into two parts: property damage and bodily injury resulting from accidents and “personal and advertising injury.” With property damage and bodily injury, the policyholder is responsible for any damage caused by the accident. “Personal and advertising injury” coverage relates to injuries resulting from malicious prosecution, a false arrest, using another person’s idea and more. With both parts of the coverage, the insurance company is obligated to provide legal counsel in the event that the policyholder is sued.

General Liability Medical Payments

Also included in a general liability policy for staffing agency insurance is medical coverage. These payments pertain to physical injuries that are the result of accidents that occur on the insured individual’s property or because of the insured individual’s business practices.

Staffing agency owners should be sure to discuss their general liability coverage to make sure they understand it and to see if there are any gaps to cover.