{"id":3125,"date":"2016-03-22T12:58:04","date_gmt":"2016-03-22T16:58:04","guid":{"rendered":"https:\/\/www.insureyourcompany.com\/?p=3125"},"modified":"2016-03-22T12:58:04","modified_gmt":"2016-03-22T16:58:04","slug":"what-employers-liability-insurance-can-do-for-your-company","status":"publish","type":"post","link":"https:\/\/insureyourcompany.com\/blog\/what-employers-liability-insurance-can-do-for-your-company\/","title":{"rendered":"What Employer’s Liability Insurance Can Do For Your Company"},"content":{"rendered":"

Suppose an employee of your company develops arthritis from doing repetitive tasks, but the state you live in does not recognize arthritis as an injury covered by workers\u2019 compensation<\/a>. Thus, your business is left open to a claim from the employee that could cost you significantly, or the employee is left with no recourse to cover medical expenses.<\/p>\n

Tough situation, right?<\/p>\n

Employer’s liability insurance\u00a0could protect you in such a case, as well as provide payments to the injured employee. The coverage protects companies from major financial losses if a worker experiences a job-related illness or injury not covered by workers\u2019 compensation.<\/p>\n

What Does Employer\u2019s Liability Insurance Cover?<\/h2>\n

This insurance, combined with workers\u2019 compensation, protects against expenses from deaths, illnesses, and injuries in the workplace. Employer’s liability insurance is also known as \u201cpart 2\u201d of a workers\u2019 compensation policy<\/a>.<\/p>\n

Most workers, other than federal employees, have protection provided by workers\u2019 compensation laws mandated individually by the states. Most companies must, by state law, have\u00a0workers\u2019 compensation insurance. The mandated insurance will pay a certain amount for lost wages and medical expenses to employees or their beneficiaries when an employee is sickened, killed, or injured on the job. As a result, an employee does not have to sue his or her company to prove fault<\/a> to receive the workers\u2019 compensation.<\/p>\n

If, on the other hand, the employee doesn\u2019t believe the coverage completely pays for losses or feels an employer\u2019s negligence caused the injury, he or she may sue the company in an attempt to receive punitive damages for pain and suffering.<\/p>\n

Employer\u2019s liability coverage protects companies and pays for expenses not covered by workers\u2019 compensation or a general liability insurance policy<\/a>. In addition, affected employees must release an employer and insurance company from additional liability to receive damages for their lost wages or injuries.<\/p>\n

Employer’s liability coverage will protect against a number of possible claims not covered by workers\u2019 compensation, including:<\/p>\n