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... who sue for loss of care and services that 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 ... defect in its truck caused the accident. Employees using tools are especially prone to making claims like this. Employers Liability coverage is the remedy in a situation where an injured employee sues the faulty tool's manufacturer, and then the manufacturer sues the employer for poor training or maintenance of equipment. Unlike Workers Compensation benefits, Employers Liability coverage goes beyond the workplace and the physical effects of the employee's injury. It handles claims by relatives or dependents who sue for loss of care and services that were once provided by the injured employee-or relatives sue ... liability 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 ...

...mple of dual capacity: Mike, the building maintenance worker, is injured while installin... coverage like Employment Practices Liability (EPL) insurance. A company's emp...

...o the business by others), land, buildings, furniture, and fixtures. Assets ar... Building ...

...I-Powered Policy Systems 1. Building Risk Profiles That Reflect Real Life.... Customer communication plans building understanding. Governance st...

...ironment as possible can improve building occupants' health, reduce liability for building owners and managers, and improve ove...s, will assure that health risks to building occupants and potential liability for the building owner are minimized.

...ike. If the risk is in an older building, and the tavern owns the structure, ... special events that require higher liability. Many time element coverages con...

...hether loss of a single machine, building, or product could disrupt the entire...zations doing? No one knows what liability limit should appear on a policy....

...al, Professional, Workers Comp); buildings (all exposures including Earthquake...ne of the keys to handling smaller Commercial accounts profitably is to keep t...

...tion plan. The development and maintenance of a perpetuation plan encourages ...nd (2) the payment terms-which would generally run from six to ten years. The ...