What is employer's liability insurance?

Employer’s liability insurance is a type of business insurance that protects companies from lawsuits that stem from workplace accidents. The policy will pay for your legal fees, including judgments and settlements. For example, let’s say you own a restaurant and your chef sues you after suffering burns due to a fryer.

What does public liability insurance cover?

Public liability insurance (PLI) covers liability claims made against your business by members of the general public for bodily injury or property damage. For example, if a customer visits your store and slips on the floor, then your PLI policy will cover their medical bills plus legal defense costs if it leads to a lawsuit.

Do you need employer's liability insurance?

Get a quote today for employer’s liability insurance. Employer’s liability insurance coverage helps cover the cost of a lawsuit due to a work-related injury or illness. Typically, it’s part of workers’ compensation insurance policies. However, businesses in monopolistic states may need to purchase it separately.