Does a business package policy cover employees getting hurt at work?

No. A business package policy, also called a business owners policy or BOP, does not cover your employees getting hurt at work. That is a common and risky misunderstanding. A BOP bundles property coverage and general liability insurance, but employee workplace injuries are handled by a separate policy: workers compensation insurance.

Here is the key distinction. General liability in a BOP covers injuries to third parties, like a customer who slips and falls in your store. It does not cover your own employees. Workers compensation is the coverage that pays for an employee’s medical bills and lost wages when they are injured on the job, and it also helps protect you from related lawsuits.

For example, if a worker at your Georgia warehouse strains their back lifting a box, their medical care and a portion of their lost income would be paid through workers compensation, not your BOP. If you had only a BOP, that claim would not be covered, and you could be personally exposed.

This matters even more in Georgia because state law generally requires workers compensation once a business has three or more employees, including certain part-time and full-time workers. Going without it can mean penalties on top of the unpaid claim.

The takeaway is simple. A BOP and workers compensation work together but cover different risks, and most businesses with employees need both. Want to confirm your business has the right combination? Get a free coverage review today.