Why does my policy have more than one deductible?

A policy commonly carries a flat deductible for most claims and a separate percentage-based wind and hail deductible in storm-exposed states like Georgia.

Does my own insurance cover me when I stay in an Airbnb or VRBO?

The host's short-term rental policy protects the host, not you. As an Airbnb or VRBO guest, your own homeowners or renters insurance usually covers your belongings and personal liability away from home, within policy limits, while travel insurance covers trip-specific risks neither the host nor your home policy will.

Does homeowners insurance cover flood damage?

No. Standard homeowners policies exclude all flood damage regardless of cause.

What does uninsured motorist coverage do?

If you are hit by a driver with no insurance or not enough insurance, uninsured and underinsured motorist coverage pays your medical bills.

When do we use Selective for flood coverage versus NFIP?

Selective private flood wins for Zone X and moderate AE properties where it beats NFIP on price and offers higher limits with ALE coverage.

Does general liability cover injuries to my own employees in Georgia?

All FAQs

Quick answer: No. Injuries to your own workers are excluded from general liability. That is workers compensation, which Georgia requires once a business has 3 or more employees (O.C.G.A. 34-9-2(a)(2)). If a crew member is hurt on the job, workers compensation responds, not general liability.

No. Injuries to your own employees are excluded from general liability. General liability insurance covers bodily injury or property damage a business causes to a third party, meaning someone outside the business itself, such as a customer, vendor, or visitor. A business's own workers are not third parties, so a standard general liability policy will not pay for their medical bills or lost wages after a workplace injury.

That gap is filled by workers compensation, a separate policy that pays medical treatment, a portion of lost wages, and death benefits for an employee hurt on the job, regardless of who was at fault. Georgia requires workers compensation once a business has 3 or more employees, under O.C.G.A. 34-9-2(a)(2). Details on what the coverage includes and excludes are in Workers Compensation Insurance.

For example, if a warehouse employee slips on a wet floor in the stockroom and breaks an ankle, workers compensation responds: it covers the medical bills and a share of the wages lost during recovery. If a customer slips on the same wet floor in the same stockroom an hour later, general liability responds instead, because the customer is a third party to the business. Whether the injured person is an employee or someone outside the company decides which policy answers the claim.

This split also matters for businesses unsure whether Georgia's general liability requirement even applies to them. It is not a blanket statutory mandate. See Does Georgia require general liability insurance for businesses? for how leases and contracts typically create the requirement instead.

A business with a mix of employees and customers on site can end up with an incident that touches both policies, for instance one accident that injures an employee and a bystander at the same time. How fault gets divided among multiple injured third parties is a separate question from which policy applies; see How does Georgia comparative negligence affect a claim against my business? for how that works on the customer side of a claim.

A coverage review can confirm both policies are in place and sized for the number of employees and the type of work a business does. General liability and workers compensation policies are available through Olive Cover for businesses in Georgia and Alabama.