保险与留置权第 1558 / 1632 题64% 的考生做错了这道题

'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

解析

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.

法律依据: Labor Code §3600 / §3602

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