Liability insurance is essential for protecting a business against losses caused by injuries or damages the business causes to others. As at least one contractor and a project owner found out, however, the extent of the coverage the policy provides is extremely important. A policy that does not provide the needed coverage is worthless to that business, but a court might find that even a worthless policy is legitimate.
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It’s not easy being an employer. The business must offer competitive wages and benefits without over-paying. It must keep employees happy but still maintain workplace discipline. It must protect its customers and its assets without seeming to distrust its employees. Without being overbearing or acting as a strict parent, it must ensure that employees are doing their work and doing it well. Many employers, using modern technology, are keeping an eye on workers — literally.
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