It doesn't matter You bought commercial insurance. As long as you buy social security for your employees, there is no problem (even if there is no group accident insurance). In case of an accident, you can also claim compensation in group accident insurance. Commercial insurance is free to buy, but I suggest you buy employer liability insurance instead of group insurance. In case of an accident, you can claim in the employer's liability insurance first, and then make the deficiency yourself. If it is group insurance, it is a kind of welfare for employees. Even if you claim in group insurance, employees can still ask you for corresponding compensation.

Employer liability insurance protects the interests of employers, while group insurance protects the interests of employees. You should distinguish this problem.