Does General Liability Cover Workers’ Compensation?
Workers’ compensation is separate from CGL and provides statutory benefits for covered employee work injuries.
CGL does not provide workers’ compensation benefits; its standard form excludes many employee injuries. Workers’ compensation is a separate policy with state-specific employer requirements, and employers liability addresses a different set of claims.
Check each state where employees work, covered entities, class codes, and owner exclusions. Confirm temporary, leased, and subcontracted workers’ arrangements with your broker.
Coverage Guides Related to General Liability Insurance
Sources for This Answer
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; Workers Compensation; Commercial Property. Accessed 2026-09-25.
- Commercial General Liability Coverage Form, CG 00 01 12 07. ISO; specimen hosted by Hiscox; Coverage A I.A pp.1–5; Coverage B I.B pp.6–7; Who Is An Insured II pp.9–10; Limits III p.10; Conditions IV pp.10–12; Definitions V pp.12–16. Accessed 2026-09-25.