As a lawyer, I would advise businesses to purchase workers' compensation insurance in order to protect themselves from liability in case an employee is injured on the job. Workers' compensation insurance provides coverage for employees who are injured or become ill as a result of their job. It also provides benefits for lost wages, medical expenses, and rehabilitation services.
Additionally, businesses should consider purchasing general liability insurance, which covers a wide range of business-related injuries or accidents that occur on the business's property or as a result of their operations. This can include coverage for accidents such as slips and falls or property damage caused by the business.
It is important to note that while workers' compensation insurance can protect businesses from liability in most cases, there are some exceptions. For example, if an employee is injured on the job due to intentional conduct by the employer, such as purposefully unsafe working conditions, the employer could still be held liable even if workers' compensation insurance is in place.
In order to ensure the best protection for their business, employers should consider consulting with a licensed attorney or insurance professional to assess their specific risks and determine the appropriate insurance coverage needed.
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