Employer's Liability Insurance
Coverage that protects an employer from lawsuits filed by employees who are injured on the job but whose injuries are not fully covered by workers' compensation insurance
Detailed Explanation
This is often included as Part Two of a workers' compensation policy and addresses situations where an employee might sue their employer for negligence related to their injury.
Practical Example
A construction worker is injured on a job site and receives workers' compensation benefits. However, they also sue their employer for negligence, claiming the employer's unsafe work practices contributed to their injury. Employer's liability insurance would help cover the employer's legal costs and potential settlement.
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