Monthly Archives: May 2025

Does Commercial Insurance Cover Workplace Injuries?

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Commercial insurance is often considered an optional business expense, but most business owners deem it essential protection. Insurance can safeguard your company in the event of a natural disaster that destroys your inventory or an expensive lawsuit. But does commercial insurance cover workplace injuries in Green Valley, AZ?

Understanding Commercial Insurance

Commercial insurance is typically not mandated by law. Business owners who opt for a commercial insurance policy usually have a range of options, similar to choosing an auto insurance policy.

General Liability Insurance

General liability insurance can shield businesses from claims made against them for injuries. This applies to individuals outside the business, such as customers. It usually doesn’t provide coverage if the claimant is an employee. General liability can also protect you from property damage. An agent at the Insurance Center of Green Valley can help you understand what your policy covers.

Property Insurance

Property insurance protects your building and potentially vehicles or machinery you use from damage. It typically covers damage from fire, theft, vandalism, and minor weather damage. Most policies specify what weather damage is included. Business owners can usually purchase additional coverage for natural disasters, like floods, hurricanes, wildfires, etc.

Umbrella Insurance

Umbrella insurance can provide protection if your other insurance reaches its limit but doesn’t cover expenses. It may step in to cover the cost of a legal team if you have to go to court. It can also cover settlement amounts if your existing coverage is insufficient.

Workers’ Compensation

Workers’ compensation in Green Valley, AZ, is not covered by other types of insurance. Many policies, such as general liability and umbrella insurance, specifically exclude employee workplace injuries. Most states legally require businesses to carry this type of insurance to protect employees.

Workers’ compensation is considered commercial insurance because many businesses carry it. However, it is separate from things like liability and property insurance. Speak with an agent at the Insurance Center of Green Valley to ensure you meet legal requirements.

Does my insurance cover single-vehicle accidents?

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Single-vehicle accidents account for nearly half of all motor vehicle fatalities nationwide. While most single-vehicle accidents are not severe, they are quite common. Given their frequency, Arizona drivers must understand how insurance companies handle single-vehicle accidents and what steps to take if they are involved in one. If you have auto insurance requirements and reside in or near Green Valley, AZ, reach out to the Insurance Center of Green Valley to secure the coverage that fits your needs.

Assigning Fault in Single-Vehicle Accidents

Arizona employs the at-fault method to determine responsibility for both single- and multi-vehicle accidents. Drivers involved in single-vehicle accidents are not always deemed at fault. Depending on the circumstances, the driver may be found not at fault (0%), partially at fault (1-99%), or entirely at fault (100%).

Apart from the driver, several other factors can contribute to a single-vehicle accident, including:

  • Obstacles or animals on the road
  • Poor road conditions, such as potholes
  • Adverse weather conditions like rain, fog, ice, snow, and wind
  • Obstructed or hidden street signs
  • Other vehicles negligently entering your lane or path, causing you to swerve or lose control
  • Vehicle issues due to errors by service technicians or vehicle manufacturers

Typically, each at-fault party is assigned a percentage of responsibility for the accident. As Arizona operates under the pure comparative negligence system, each at-fault party pays for the liabilities in proportion to their percentage of liability.

If you are involved in a single-vehicle accident, it’s important to obtain a police report and safely capture pictures or videos that document the factors leading to the accident.

The Insurance Center of Green Valley Advantage for Arizona

If you reside in or near Green Valley, AZ, our team at the Insurance Center of Green Valley will assist you in obtaining the auto insurance you need. Call us at (520) 648-1150 to schedule an appointment.