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... were once provided by the injured employee-or relatives sue for consequential bodily injury (for example, loss of sexual functioning) . Finally, Employers Liability addresses dual-capacity situations. Consider this example of dual capacity: Mike, the building maintenance worker, is injured while installing a basketball hoop in the company gym by a drill manufactured by his employer, Dynamic Drill, Inc. He sues Dynamic as creator of the tool, not as the employer. A dual capacity claim allows Mike to circumvent the Workers Comp law to pursue a claim that ... arising from physical injury and occupational illness claims not covered by Workers Comp. Once one learns of Employers Liability coverage's limitations, the value of adding Employment Practices Liability coverage to the program becomes obvious. Employers Liability vs. Workers Compensation The Employers Liability section resembles a Commercial General Liability (CGL) policy, defending the employer against claims and paying the employee, dependents, or others if the employer is found negligent. This coverage reflects the reality that Workers Comp doesn't cover every possible occupational claim. For example, the employer may be ... Management Resources & Links Categories Popular Recent All Back Epl Coverage Goes Where We Can't 5/15/2014 12:00:00 AM by CompleteMarkets Editor This content has not been rated yet. Workers Comp policies go by the official name of Workers Compensation and Employers Liability policy. With employers eager to assure their injured workers of recovery benefits, it's easy to overlook the Employers Liability' aspect of this policy. It's there to protect the insured employer against liability arising from physical injury and occupational illness claims not covered by Workers Comp. ...

..., is injured while installing a basketball hoop in the company gym by a drill ... coverage like Employment Practices Liability (EPL) insurance. A company's emp...