Employer’s Liability Insurance
What is Employer’s Liability Insurance?
Employer’s liability insurance protects your business when an employee sues over a work injury or illness. This type of liability insurance can be packaged with workers compensation to further protect companies against the costs associated with workplace injuries, illnesses, and deaths.
What does Employer’s Liability Insurance cover?
Employer’s liability insurance can help bridge the gap between what workers comp insurance covers and what your business might be liable for in a lawsuit. Some of these include:
- Legal fees
- Damages such as pain and suffering, negligence and similar claims which are not covered by workers comp
- Settlement Payments
- Indirect liabilities
To learn more about what is covered under an employer’s liability insurance policy, contact us today to speak with an insurance representative.
Who Needs Employer’s Liability Insurance?
Any business with employees should consider having employer’s liability insurance because although workers comp covers the direct costs of employee illnesses and injuries, it does not cover legal fees and other expenses that come up when an employee sues your business.