Insurer

Typical purpose

State Fund

Workers’ compensation: medical care and wage benefits for employees injured or made ill through work. California generally requires employers to carry this coverage. statefundca.com

USLI

Other business or nonprofit risks, depending on the policy. USLI offers coverage such as general liability, property, directors and officers liability, and employment practices liability. usli.com

For example, an employee injured while working would generally be a workers’ compensation matter; a visitor injured at your office could be a general liability matter. So two bills from these insurers do not, by themselves, mean you are paying twice for the same protection.

To tell whether your particular combination makes sense, check the coverage names on each policy’s declarations page, along with the premiums, limits, and exclusions. If you upload those pages, you can cover the policy numbers and personal information; I can compare the coverages and flag any apparent overlap or gap.