Workers’ comp covers inside people (employees). Liability covers outside people (customers, strangers, that one angry neighbor). Mixing them up is a comedy of errors—but not the funny kind.
So next time someone says, “Aren’t they the same?” You can wink and say, “Nope. But if you’re confused, just remember: workers’ comp is for the crew, liability is for the public. And always, always buy both before your cat trips the mailman.”
