Insurance & LiensQuestion 1558 of 1605
'Employers' liability' coverage, usually part of a workers' compensation policy, protects the employer against:
a.Theft of tools
b.Certain employee-injury lawsuits that fall outside the exclusive workers' comp benefit remedy
c.Third-party property damage
d.Damage to the building
Explanation
Employers' liability (Coverage B of a workers' comp policy) covers certain employee-related lawsuits that are not resolved by the no-fault workers' comp benefits (Coverage A) — for example, third-party-over actions. It complements the statutory benefit coverage.
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Reviewed by Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — verify)