What exactly does a Georgia business package policy include and what does it leave out?

A Georgia business package policy, commonly called a BOP, bundles property and liability coverage into one convenient policy for small and mid-size businesses. It includes the core protections most businesses need every day, but it deliberately leaves out several important coverages you must add separately.

A typical business owners policy bundles property, liability, and lost income into one:

• Property coverage for your building, equipment, inventory, and furnishings.
• General liability for bodily injury and property damage you cause to others.
• Business income, which replaces lost income if a covered loss shuts you down temporarily.

A business package policy usually leaves these out:

• Workers compensation, which is required separately in Georgia once you reach the employee threshold.
• Commercial auto, for vehicles your business owns or uses.
• Professional liability, for claims that your advice or services caused a financial loss.
• Cyber liability, for data breaches and online fraud.

For example, a Georgia retail shop buys a BOP that covers its storefront, inventory, and customer-injury liability. When a winter storm damages the roof and closes the store for two weeks, the property and business income coverage respond. But when an employee is injured stocking shelves, that claim falls to workers compensation, which is not part of the BOP and must be carried separately.

A business package policy is an efficient foundation, but it is rarely complete on its own. We will help you start with the right business owners policy and add the coverages it leaves out. Request a free coverage review and a licensed advisor will confirm whether your business has any gaps.