Part II of the workers compensation policy is Employers Liability. This coverage protects the employer for those employees who are not covered by workers compensation and, therefore, can sue under common law alleging negligence on the part of the employer. Coverage is commonly for $1,000,000 and can be increased through the purchase of an umbrella liability policy. (See Workers Compensation).
Insurance Encyclopedia
Employer’s liability insurance
Liability insurance that protects an employer against any claims for damages that are the result of injuries to employees while they are working. Workers’ compensation insurance insures the employer against liability under state compensation laws. Employer’s liability insurance gives protection in cases that are not covered by the compensation law.
Employer’s undertaking
Undertaking, in a prescribed form, whereby an employer informs an actuary whether any of the specified events, which are likely to invalidate any certificate required for contracting out, have occurred.
Employer’s liability coverage (Workers Compensation)
Coverage against the employer’s common law liability for injuries to an employee, separate from the employer’s liability under workers compensation law. This is known as coverage part B under standard workers compensation policies.
Employer’s liability Insurance
See: “Employee’s Compensation Insurance.”
Employer’s non-ownership liability insurance (Annuity)
Insurance that covers the employer from liability stemming from the employee using his or her car for employer business.
Employers for Liability Insurance
Insurance against loss to claims for damages by employees for bodily injuries (including death); excludes liability under workmen’s compensation laws.
Employers for Liability Legal
The common law or special statutory responsible of employers for job related injuries and disease caused by their negligence but not covered under workmen’s compensation.
Employers liability coverage
This coverage provided by part 2 of the workers compensation policy provides coverage to the insured (employer) for liability to employees for work-related bodily injury or disease, other than liability imposed on the insured by a workers compensation law.
***
a feature of standard workers compensation policies, This Coverage applies to liability that may be imposed on an employer outside the provisions of a workers compensation law.
EMPLOYERS NONOWNERSHIP AND HIRED AUTOMOBILE LIABILITY
Under the commercial automobile insurance policy, certain non-owned automobiles are automatically covered. For example, if an insured has a covered vehicle in the repair shop and is driving a temporary substitute vehicle, it is normally covered. There are, however, nonowned autos that are not covered unless additional coverage is purchased.