There are many types and forms of insurance provided by the government, but all have a different purpose. For example, workers' compensation is provided for when an employee suffers injuries on the job or while performing their duties. The goal of worker's comp is to cover your medical bills if you end up getting injured at work, even though there may not be any compensation from the employer. However, if the injury is job-related, employers will pay for it out of pocket, regardless of who was responsible for causing it. Workers' comp can also cover workers' compensation claims. This is different from personal car accident insurance. Personal auto insurance is designed for people who own their vehicles outright, which means that the cost of such coverage is higher than if someone has only third-party liability insurance. Therefore, it makes sense to get a more comprehensive policy in general liability coverage, also known as umbrella coverage, if you own a business, depending on whether you work with clients or sell products or services. An umbrella policy provides several levels of insurance, including commercial auto, homeowners, renters, condo, etc., so that everything is included under one roof. The same thing happens for home and renters insurance.