Which type of worker is typically covered for liability under a general liability policy?

A general liability policy typically provides coverage for employees of a business because they are considered part of the organization and are thus covered under the employer's insurance policy. This type of coverage is important as it protects the business against claims arising from bodily injury or property damage occurring during the course of work performed by its employees.

Employees are integral to the operations of the business and are under the direct control and supervision of the employer, which aligns with the purpose of a general liability policy. This policy is designed to cover situations where the employer may be held responsible for the actions of their employees while they are performing their job duties.

In contrast, leased workers, independent contractors, and temporary workers typically do not receive the same level of coverage under a general liability policy. These workers are often seen as separate from the employing business for liability purposes, which can lead to different risk assessments and coverage needs. For instance, independent contractors operate their own businesses and are generally responsible for their own liability. Therefore, the inclusion of employees under a business’s general liability policy reflects the nature of their relationship and the potential liabilities that arise from that relationship.