An injured employee collects compensation benefits and then sues the maker of the machine that hurt him. The manufacturer sues the employer, claiming the employer misused the machine. That suit against the employer is covered by:
Explanation
This is a third-party-over action: the employee sues an outsider, and the outsider then turns on the employer for indemnity. Because the demand against the employer is a liability claim rather than a benefit claim, employers liability responds. Statutory benefits cover only what the compensation law owes the worker, and the manufacturer's own policy defends the manufacturer, not the employer it is suing.
This 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 →
Practice all 531 questions free — no signup required.
Own the complete California Property & Casualty Broker-Agent guide — PDF + EPUB, $24.99 →
Related questions on this topic
- A machinist permanently loses the use of two fingers but returns to full-time work at the same wage. The claim is treated as:
- Part One of a workers compensation and employers liability policy shows no dollar limit of liability because:
- Part Three, other states insurance, of the workers compensation policy responds when the employer:
- A contractor has $400,000 of payroll in a class code rated at $2.50 per $100 of payroll and an experience modification factor of 0.90. Before other adjustments, the premium is:
- The experience modification factor applied to a workers compensation premium rewards an employer whose:
- Workers compensation premium is billed at inception on estimated payroll. At the end of the policy term:
Last reviewed: · editorial process