What is Employers' Liability Insurance?
Employers' liability insurance is a type of insurance that protects employers against claims from employees who have been injured or become ill as a result of their work.
Who is Covered?
Employers' liability insurance typically covers:
- Employees who are injured or become ill as a result of their work
- Former employees who were injured or became ill during their employment
- Employees who are injured or become ill as a result of a third-party's negligence
What is Covered?
Employers' liability insurance typically covers:
- Medical expenses
- Lost wages
- Permanent disability or death
- Legal fees and court costs
Interactive Example:
Scenario:
A factory worker is injured while operating a machine and requires surgery. The worker claims that the injury was caused by the employer's negligence in maintaining the machine.
What is the Employer's Liability?
Click on the options below to see what the employer's liability might be:
- The employer is fully liable for the worker's injuries and must pay for all medical expenses and lost wages.
- The employer is partially liable for the worker's injuries and must pay for some medical expenses and lost wages, but the worker must also bear some of the costs.
- The employer is not liable for the worker's injuries, as the worker was responsible for their own safety at the time of the accident.