State required liability / work comp Ins. loopholes covers NOTHING- who is liable?

Question

local small cleaning business 20 yrs- carry required liability / work comp.
filed first claim- broken item in a clients home- NOT COVERED !! work or work product. Excuss me. It has to be some totally off the wall, unrelated to my work in the home - to be covered... in otherwords an unlikely situation.
Serveral years ago - similar situation- I had a doctor stated work related cronic injury.... basically NOT COVERED- my initial Dr. visit was paid period. I no longer work at the same position , my injury does not permit me. State requires this coverage.... as business owner you fiqure -anything big ever happens.. you are insured. a deductable to cover. My clients are assuming the same. My employees, they are under the assumption that thier employer carries work comp and they would be covered.. I found out even as the owner (also worker ) YOU ARE NOT COVERED Who is fraudulant? The state who requires do nothing insurance? The Insurance Co. who sells do nothing insurance.

This is FRAUD. Who should be sued for liability- fraud- unlawful business practice

Answer 1

The buyer that assumes coverage and does not verify the coverage purchased is adequate for the business and will provide the coverage the business needs is at fault.

It is only fraud if the insurance policy states that they will cover some event and then they do not. You have not shown that. It sounds to me like you bought a policy that provides specific coverages and thought the policy covered more or different losses. If you buy health insurance, it won't cover damage to your car in an accident.