The standard Workers' Compensation and Employers Liability policy is divided into two main coverage parts. What does each part cover?
Explanation
Part One — Workers' Compensation pays the statutory benefits required by the state's WC law and has no dollar limit because the obligation is whatever the statute requires. Part Two — Employers Liability protects the employer against employee-related lawsuits that fall outside the WC system, such as dual-capacity, consequential-bodily-injury, third-party-over, and loss-of-consortium suits.
Law Reference: Standard WC Policy — Part One / Part TwoThis topic, taught in full in the California Property & Casualty Broker-Agent guide. California Property & Casualty Broker-Agent Study Guide — 2026 Edition — PDF + EPUB, $24.99 · 14-day refund →
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Related questions on this topic
- Under California Labor Code §3700, which employers are required to carry workers' compensation insurance?
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