근재보험과 단체상해보험 가입을 검토 중인데, 각 보험의 장단점과 어떤 것을 가입하는게 더 좋은지 알 수 있을까요?

<div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Yuf4/87e5a134283d9c8c9e2def793663d65333b4259c?download" data-file-name="(참고)+손해보험+소비자+상담+주요+사례집.pdf" data-file-size="1497592" data-mimetype="application/pdf" data-ke-align="alignCenter"><a href="javascript:checkVirus('grpid%3D1Yuf4%26fldid%3DBt3l%26dataid%3D391%26fileid%3D4%26regdt%3D20221231095116&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Yuf4%2F87e5a134283d9c8c9e2def793663d65333b4259c')"><div class="image"></div><div class="desc"><div class="filename"><span class="name">(참고)+손해보험+소비자+상담+주요+사례집</span><span class="type">.pdf</span></div><div class="size">1.43MB</div></div></a></div><div class="figure-file" data-ke-type="file" data-file-src="https://t1.daumcdn.net/cafeattach/1Yuf4/916ea135e5c991b0dee22c7d0fe6f1e465599e84?download" data-file-name="보도자료_손해보험에+대한+궁금증,+소비자+상담사례집으로+해결하세요 (1).hwp" data-file-size="109056" data-mimetype="application/haansofthwp" data-ke-align="alignCenter"><a href="javascript:checkVirus('grpid%3D1Yuf4%26fldid%3DBt3l%26dataid%3D391%26fileid%3D5%26regdt%3D20221231095116&url=https%3A%2F%2Ft1.daumcdn.net%2Fcafeattach%2F1Yuf4%2F916ea135e5c991b0dee22c7d0fe6f1e465599e84')"><div class="image"></div><div class="desc"><div class="filename"><span class="name">보도자료_손해보험에+대한+궁금증,+소비자+상담사례집으로+해결하세요 (1)</span><span class="type">.hwp</span></div><div class="size">106.50KB</div></div></a></div><p> </p><p><span style="color: #1b711d;"><b><span data-ke-size="size23">저는 산재보험 적용되는 사업장을 운영 중인데, 직원이 다쳐 산재보험 처리를 하다가 산재보 험 한도가 초과되면 사업주인 저에게 배상청구가 들어온다는 이야기를 들었습니다. 그래서 근재보험과 단체상해보험 가입을 검토 중인데, 각 보험의 장단점과 어떤 것을 가입하는게 더 좋은지 알 수 있을까요?</span></b></span></p><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Yuf4/b0da51bcf3fddca72e0a70f4f740f4d1cc6407b2" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Yuf4/b0da51bcf3fddca72e0a70f4f740f4d1cc6407b2" data-origin-width="506" data-origin-height="614"></div><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Yuf4/8dd20d13fb5d29cb755f33bf4bdcf823b376f6ff" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Yuf4/8dd20d13fb5d29cb755f33bf4bdcf823b376f6ff" data-origin-width="1079" data-origin-height="649"></div><div class="figure-img" data-ke-type="image" data-ke-style="alignCenter" data-ke-mobilestyle="widthOrigin"><img src="https://t1.daumcdn.net/cafeattach/1Yuf4/d71777e27d113182d9020a3889dba6428a2301af" class="txc-image" data-img-src="https://t1.daumcdn.net/cafeattach/1Yuf4/d71777e27d113182d9020a3889dba6428a2301af" data-origin-width="467" data-origin-height="414"></div>