An insured's employee is injured while occupying the insured's covered auto during work, and workers compensation benefits are payable. Part A liability:

Giải thích

Part A excludes bodily injury to an employee of an insured during the course of employment when workers compensation benefits are required or available, because that exposure belongs to workers compensation and employers liability coverage. A domestic employee not entitled to those benefits is the recognized exception. The answer that pays the excess over comp describes how some other coverages coordinate, not this exclusion.