Which segment of the business is NOT automatically covered under liability in a BOP?

In a Businessowners Policy (BOP), certain liabilities are specifically addressed, while others may not be included automatically. Bodily injuries to contracted workers fall under a separate category that is typically not covered without specific endorsements. This is primarily because the BOP is designed to cover businesses for general liability exposure like customer injuries, product-related claims, and premises-related accidents.

Contracted workers are usually considered employees of a third party, which means that their claims for bodily injury are instead handled through workers' compensation insurance provided by their employer. In most circumstances, a BOP does not provide automatic liability coverage for these contracted workers, as it is designed to protect the business owner's interests against claims from the general public or customers rather than those arising from contracted employees.

Understanding this distinction is crucial, as businesses must ensure they have appropriate coverage in place for all aspects of their operations, including additional liability for workers, if necessary.