Employers' Liability Coverage: More Important Than it Appears

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Part 2 of the workers' compensation policy provides protection known as Employers' Liability. Very few insurance and HR professionals consider the importance of this coverage thinking that it is simply "thrown in"; as part of workers' compensation. 

The importance of this coverage cannot be over emphasized. Employers'; Liability is a gap filler between the coverage provided by the workers' compensation policy and the commercial general liability policy. It fills holes few pay attention to within the employer's insurance program. 

Basic Course Information

Learning Objectives

• Better understanding of the coverage gaps between the WC and CGL creating the need for Employers' Liability coverage
• Learn the types of claims covered by Employers' Liability
• Discuss how to procure Employers' Liability in monopolistic workers' compensation states
• Learn why minimum limits are not sufficient

Major Subjects

• Coverage gaps between the WC and CGL creating the need for Employers' Liability coverage
• Types of claims covered by Employers'  Liability
• Employers' Liability and monopolistic states
• Recommendation to increase Employers' Liability limits