Employer Liability
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 Misconceptions
Assuming GL covers employee injury — employee injury is WC territory. Confusing EL with EPLI.
Related Terms
Browse the Insurance Claims Glossary
Looking for more insurance and claims terminology? Browse the complete A-Z glossary or explore the Claims Pages Academy for licensing guides, coverage explainers, and more.
Back to Glossary Claims Pages AcademyThis definition is provided for informational and educational purposes. Insurance terminology may vary by jurisdiction, policy, and context. Consult a licensed professional for guidance specific to your situation.
