What coverage is available to a company when an employee claims injuries that are not covered under Workers' Compensation?

When an employee claims injuries that are not covered under Workers' Compensation, Employer Liability coverage provides protection for the employer against such claims. This type of coverage is an essential part of most Workers' Compensation insurance policies, but it specifically addresses situations where the employee sues the employer directly for negligence or other liabilities that result in injury.

For example, if an employee sustains injuries due to unsafe working conditions and opts to sue the employer instead of filing a Workers' Compensation claim, Employer Liability coverage would help cover the legal costs and any settlements or judgments that arise from that lawsuit. This coverage is particularly important for employers to safeguard against potential financial loss in cases where Workers' Compensation does not apply.

Other types of coverage mentioned might include General Liability, which primarily covers third-party claims and does not protect against employee injuries, and Commercial Umbrella, which provides additional liability coverage above existing limits but may not specifically address employer-related claims. Excess Liability provides additional layers of coverage beyond existing policies but similarly does not target employer-employee injury claims. Therefore, choosing Employer Liability ensures that the employer has direct protection against legal actions stemming from employee injuries not addressed under Workers' Compensation.