If an inspector is injured on a job site, which insurance policy would apply for coverage?

Workers' compensation insurance is specifically designed to provide coverage for employees who are injured or become ill as a result of their work. If an inspector, who is typically considered an employee or an authorized representative conducting work on a job site, sustains injuries while performing their job duties, this type of insurance would cover their medical expenses and lost wages due to the injury.

General liability insurance provides coverage for third-party claims involving bodily injury or property damage caused by the contractor's operations, but it does not cover injuries sustained by employees. Professional liability insurance typically covers claims related to professional services or advice provided by contractors, which does not encompass workplace injuries. Commercial auto insurance is focused on vehicles used for business purposes and does not apply to on-site injuries.

Hence, in the context of an injury to an inspector on a job site, workers' compensation is the appropriate and applicable insurance coverage.