---
title: "Does General Liability Cover Employee Injuries?"
description: "Generally no. A worker’s job-related injury is usually handled by workers’ compensation, with employers liability addressing some separate lawsuits."
canonical: "https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-employee-injuries"
page-type: "faq-question"
updated-at: "2026-09-25"
---

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# Does General Liability Cover Employee Injuries?

Generally no. A worker’s job-related injury is usually handled by workers’ compensation, with employers liability addressing some separate lawsuits.

The ISO form excludes bodily injury arising out of employment, and workers’ compensation addresses statutory benefits while employers liability covers some separate lawsuits.

Ask your broker which policy applies to each injury scenario, including temporary and leased workers. Confirm the workers’ compensation states, covered entities, and limits match where and how your staff work.

## Related Questions

- [Does General Liability Cover Workers’ Compensation?](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-workers-compensation)
- [Does General Liability Cover Bodily Injury and Customer Injuries?](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-bodily-injury-and-customer-injuries)
- [Does General Liability Cover Discrimination?](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-employment-discrimination-harassment-and-wrongful-termination)
- [Does General Liability Cover Property Damage?](https://spot.insure/insurance-faq/general-liability/does-general-liability-cover-property-damage)

## Related Coverage

- [General liability](https://spot.insure/coverage/general-liability)
- [Workers’ compensation](https://spot.insure/coverage/workers-compensation)

## Sources

1. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; Workers Compensation; Commercial Property. Accessed 2026-09-25.
2. [Commercial General Liability Coverage Form, CG 00 01 12 07](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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.

More answers: [General Liability Insurance FAQ](https://spot.insure/insurance-faq/general-liability).

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