Does a Business Owner’s Policy include worker’s compensation? 

No. A BOP commonly combines general liability, commercial property, and business income for eligible businesses. Worker’s compensation, commercial auto, and professional liability are separate purchases. Treat a BOP as a foundation and build the rest around your actual operation. 

By Heather

Heather focuses on small business insurance at Gild Insurance Agency, writing clear, practical guidance that helps business owners understand coverage, manage risk, and protect their businesses.