Workers Comp + General Liability Bundle
What every business owner should know about combining these two essential coverages — and how bundling saves 5–15%. Updated October 2026.
By clicking, you agree to Insurance Pro Agencies' Terms of Use and Privacy Policy, and authorize Insurance Pro Agencies, Inc and its affiliated carrier partners to contact you using the information you provide during the quoting process. Consent is not a condition of obtaining a quote.
Backed by Munich Re. 750,000+ businesses insured. Get your certificate of insurance instantly.
What Each Policy Covers
General liability and workers' comp are not interchangeable — they cover completely different risks. Most businesses that have employees legally need both.
General Liability (GL)
- ✓Third-party bodily injury (customer, visitor, bystander)
- ✓Third-party property damage (damage to client property)
- ✓Personal injury (libel, slander, false advertising)
- ✓Products & completed operations liability
- ✓Legal defense costs for covered claims
Does NOT cover employee injuries — that is workers comp.
Workers' Compensation (WC)
- ✓Medical expenses for work-related employee injuries
- ✓Lost wages while employee recovers
- ✓Permanent disability benefits
- ✓Death benefits for family of employee killed on the job
- ✓Employer's liability (employee sues employer over injury)
Does NOT cover non-employee third parties — that is general liability.
Why You Almost Certainly Need Both
If you have employees and work at client locations, interact with the public, or handle other people's property — you need both GL and WC. A single incident can trigger both at once: imagine a worker trips while carrying equipment and falls into a client's glass display case. That one event is both a WC claim (worker's injury) and a GL claim (damage to client's property).
Workers' comp is also legally mandatory in most states once you hire employees. Operating without it exposes you to fines, lawsuits, and the full cost of an employee's medical bills and lost wages out of pocket.
Bundle Cost by Industry (2026 Estimates)
| Industry | GL Alone | WC Alone | Bundle Est. |
|---|---|---|---|
| Landscaping (2 employees) | $80–$150/mo | $100–$200/mo | $160–$280/mo |
| Cleaning Service (3 employees) | $60–$120/mo | $90–$180/mo | $130–$250/mo |
| General Contractor (5 employees) | $150–$300/mo | $250–$500/mo | $350–$700/mo |
| Restaurant (8 employees) | $150–$250/mo | $200–$400/mo | $300–$580/mo |
| Handyman (solo) | $60–$120/mo | Optional (sole proprietor) | $60–$130/mo |
Estimates based on industry averages. Actual rates vary by state, revenue, and claims history.
Get a Bundle Quote in 10 Minutes
NEXT Insurance covers both GL and workers comp. Get your certificate instantly.
By clicking, you agree to Insurance Pro Agencies' Terms of Use and Privacy Policy, and authorize Insurance Pro Agencies, Inc and its affiliated carrier partners to contact you using the information you provide during the quoting process. Consent is not a condition of obtaining a quote.