The majority of general and professional liability policies do not cover legal fees incurred by an employee who is accused of physical, mental, or sexual abuse, either threatened or actual.
Because of this, some businesses provide endorsements for coverage that covers abuse and molesting.
It pays for your business’ safeguard and decisions in claims emerging from allegations of misuse. In certain arrangements, it might just cover sexual maltreatment.
If an employee is accused of physically harming a child while reprimanding them, corporal punishment insurance will pay for lawsuits against your company.
Workers’ Compensation Insurance The majority of states require workers’ compensation coverage for businesses with a certain number of employees.
It covers medical expenses and lost wages for workers who get hurt or sick while doing their jobs.
Workers’ compensation insurance, for instance, would pay for the employee’s treatment and time off from work if a child bitten them and drew blood.
Daycare workers who contract COVID-19 are also covered by workers’ compensation insurance in some states.
