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, 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 workers’ comp protects the employee by helping with medical fees and lost wages, the second part protects the employer from liability.
If your workers’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 your liability coverage.