'Employers' liability' coverage, usually part of a workers' compensation policy, protects the employer against:
Explanation
Coverage B of a workers' compensation policy answers employee-injury liability that the no-fault benefit system does not resolve — third-party-over actions, consequential claims by family members, and dual-capacity claims. (a) is Coverage A of the same policy, the statutory benefits themselves, and mistaking the two is the whole point of the item. (c) is commercial general liability, which excludes injury to employees precisely because this coverage handles it. (d) is a wage claim, which is neither an injury nor insured under a workers' compensation policy.
Law Reference: Labor Code §3600 / §3602This topic, taught in full in the CSLB Law & Business guide. CSLB Law & Business — Complete Study Guide (2026) — PDF + EPUB, $24.99 · 14-day refund →
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