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Additional Insured on Occupational Accident or Workers Comp Policy?
Additional Insured on Occupational Accident or Workers Comp Policy?
Updated over 5 months ago

Typically, other entities (your customer) can be listed as "additional insured" on General Liability policies. These types of policies are specifically created to provide protection to third parties, including end-users, who engage with your business. If you already have a General Liability policy with another insurance company, they may be able to assist you in adding this language to your COI for that policy.
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The Occupational Accident and Workers Comp policies are specifically designed to protect the 1099 and W2 workers respectively in the event of work-related incidents. If a 1099 worker were to file a claim, your customer. would not be able to collect against this policy; it's solely for the benefit of the workers.
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As an example, the Occupational Accident policy is like a harness for a tightrope walker. Its purpose is to ensure the safety of the tightrope walker while they perform their duties, not to extend coverage to external parties in the audience.

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