Search CompleteMarkets

... has sued the third party. Let's assume Curbside Concrete's employee is injured in an accident while driving a company mixer and sues the other driver. The other driver may then sue Curbside, arguing that a 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 for consequential bodily injury (for example, loss of sexual functioning ... 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. 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 sued by a third party because the injured employee has sued the third party. Let's assume Curbside Concrete's employee is injured in an accident while driving a ...

...les a Commercial General Liability (CGL) policy, defending the employer agains...