Employers Liability

Employers' liability insurance is an insurance policy that handles claims from workers who have suffered a job-related injury or illness not covered by workers' compensation. A type of liability insurance, it can be packaged with workers' compensation to further protect companies against the costs associated with workplace injuries, illnesses, and deaths.

However, employers' liability insurance does not cover legal costs from employee lawsuits charging discrimination, sexual harassment, or wrongful termination.

Many organizations choose to carry employers' liability insurance to help cover legal costs and lawsuits.

Most workers' compensation insurance policies automatically include employers' liability insurance.

Employers' liability insurance places limits on the amounts paid out per employee, per incident, or per policy.