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.

What is employers' liability insurance?

Employers' liability coverage is typically purchased along with workers' compensation. In fact, employers' liability insurance is often called “part 2” of a workers’ compensation policy. Part 1 of the policy is the actual "workers’ comp," which pays for medical/death expenses and partial lost wages from work-related injuries and illnesses.

What is Employers' Liability & how does it work?

Employers' liability will respond to liability claims and lawsuits relating to the employee injury but not covered by workers' compensation insurance. Typically, this coverage comes into play when the employee or their family alleges that the employer was negligent for the injury that occurred.