Georgia Property & Casualty Practice Exam

Which part is NOT included in a standard workers compensation policy?

1. A.) Part One - Workers Compensation Insurance

2. B.) Part Three - Other States Insurance

3. C.) Part Two - Employers Liability Insurance

4. D.) Part Four - General Liability Insurance

The correct answer is: D.) Part Four - General Liability Insurance

In a standard workers' compensation policy, there are typically several key components that address various aspects of coverage for employees who suffer work-related injuries or illnesses. Part One provides coverage for workers' compensation insurance, which is mandated and ensures that employees receive medical benefits and wage replacement. Part Two addresses employers' liability insurance, which protects employers against claims related to employee injuries that may not be covered by workers' compensation laws. Part Three extends coverage for employees who may work in other states, ensuring that they are protected no matter where they perform their work. Part Four, however, does not belong to a standard workers' compensation policy; rather, it relates to general liability insurance, which covers claims that arise from bodily injury, property damage, and other liabilities outside of the specific scope of workers' compensation. General liability is a distinct type of insurance that protects businesses from a range of claims, but it is not included in the workers' compensation policy. This distinction is crucial for understanding the separate functions of these insurance types in a business’s risk management strategy.