Employer Liability — Insurance Claims Definition
Workers Comp
Coverage for lawsuits by employees excluded from workers comp or alleging employer intentional or gross negligence, depending on policy.
Part 2 of standard workers compensation policies (employers liability) covers damages the employer owes when WC does not apply or dual capacity suits arise. It is not unlimited — limits are usually $500,000 or $1M each accident/disease.
Examples
An employee sues alleging intentional removal of machine guards; employers liability may respond where WC exclusive remedy is pierced.
Common Mistakes
Assuming GL covers employee injury — employee injury is WC territory. Confusing EL with EPLI.
