---
title: "Workers’ Comp vs. General Liability: What’s the Difference?"
description: "Workers’ comp covers employees’ work injuries; general liability covers many injury or property-damage claims by other people."
canonical: "https://spot.insure/insurance-faq/workers-compensation/workers-compensation-vs-general-liability"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Workers’ Comp vs. General Liability: What’s the Difference?

Workers’ comp covers employees’ work injuries; general liability covers many injury or property-damage claims by other people.

Workers’ comp covers employees’ work injuries; general liability covers many injury or property-damage claims by other people. A visitor’s injury and an employee’s injury therefore involve different policies.

Do not use general liability instead of required workers’ compensation. Confirm both policies list the right operations, states, employees, and payroll, and check their limits and exclusions.

## Related Questions

- [Do I Need Workers’ Compensation Insurance?](https://spot.insure/insurance-faq/workers-compensation/do-i-need-workers-compensation-insurance)
- [Is Workers’ Comp Required?](https://spot.insure/insurance-faq/workers-compensation/is-workers-comp-required)
- [Do Business Owners Need Workers’ Comp?](https://spot.insure/insurance-faq/workers-compensation/do-business-owners-need-workers-comp)
- [Do LLC Members Need Workers’ Comp?](https://spot.insure/insurance-faq/workers-compensation/do-llc-members-need-workers-comp)
- [Do Contractors and Independent Contractors Need Workers’ Comp?](https://spot.insure/insurance-faq/workers-compensation/do-contractors-need-workers-comp)

## Related Coverage

- [Workers’ compensation](https://spot.insure/coverage/workers-compensation)
- [General liability](https://spot.insure/coverage/general-liability)
- [Commercial auto](https://spot.insure/coverage/commercial-auto)

## Sources

1. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-25.
2. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-25.

More answers: [Workers’ Compensation Insurance FAQ](https://spot.insure/insurance-faq/workers-compensation).

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