'Employers' liability' coverage, usually part of a workers' compensation policy, protects the employer against:
a.Statutory benefits owed to an employee injured at work
b.Employee-injury suits outside the exclusive remedy rule
c.Bodily injury to the public caused by the employer's work
d.Wage claims brought by employees for unpaid overtime hours
Explicación
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.
Referencia Legal: Labor Code §3600 / §3602Practica las 1632 preguntas gratis — sin registro.
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Revisado por Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — verificar)