What are the most important exclusions in a Georgia general liability policy?

General liability is a foundational commercial policy, but it has meaningful gaps that catch many Georgia businesses off-guard. It does not cover: your own employees' injuries (workers comp), professional errors and omissions (E&O), your own business property damage (commercial property or inland marine), cyber events (cyber liability), employment practices claims (EPLI), intentional acts, and pollution. It also excludes property you are working on (care, custody and control), which is one of the most frequently disputed exclusions for contractors. Review every exclusion with your agent before finalizing limits.