Today, business owners work with independent contractors to handle many of their specific needs. Yet, many also still use employees to handle tasks such as courier work or product delivery. When you have employees doing the work, you need to have insurance to protect those drivers and your assets.
As a business owner, you take responsibility for the environment of the operation, and the conduct within. You want a nice, safe, honest and secure business, to put it lightly. But, how can you respond if a dissatisfied customer has a bone to pick?
Employers must provide safe working conditions for employees. When an employee suffers an injury on the job, he or she might have the right to obtain compensation from the employer. Such compensation comes in the form of workers’ compensation.