EMPLOYER LIABILITY COVERAGE
Employer’s Liability Coverage
When an employee experiences a work-related injury or illness, worker compensation insurance will typically pay for the employee’s medical bills and partial lost wages. However, employees can still file a lawsuit for additional damages if they believe the employer’s negligence caused the issue. If an employee files a negligence lawsuit related to a work-related injury or illness, the employer’s liability insurance can pay for your legal expenses.
Employer’s Liability Insurance is designed to cover:
- Attorney’s fees
- Court costs
- Settlements or judgments
- Consequential body injury
- Third-party actions
- Loss of consortium
Employer’s liability coverage is usually included as part of a workers’ compensation policy. While the first part of the workers’ comp protects the employee by helping with medical fees and lost wages, the second part protects the employer from liability.
Employment Practices Liability Insurance. If a Delaware business is sued by an employee over wrongful termination or another violation of employee rights, employment practices liability insurance (EPLI) can pay for legal costs.
Workers’ compensation is required by any business that has employees and would provide protection for your employees in the event they are injured on the job. Medical bills, doctor visits, and paid time out of work until they can get back on the job.
If your worker’s compensation policy does not include employer’s liability insurance, an add-on stop-gap coverage can fill the gap in coverage. Talk to one of our agents to discuss all of your employee’s workers’ compensation and liability coverage.