Employer’s Liability Insurance Coverage
Employer’s liability insurance (ELI) coverage is provided by the workers’ compensation policy for the insured, who is the employer, for liability to employees for work-related bodily injury. This covers death by accident or disease, other than liability imposed on the insured by a workers’ compensation law. Read on to understand more about what employer’s liability insurance can provide.
Third-Party-Over Action
A claim in which a contract’s injured employee sues a third party, such as the project owner, can be covered by this policy. Such coverage would only be triggered if there is no contract of indemnity between the third-party (i.e. project owner) and the contractor.
Loss of Consortium
This covers a legal action brought by the injured worker’s spouse or family. Usually, the suit alleges loss of spousal services, including companionship.
Consequential Bodily Injury Suits
This covers a type of lawsuit where a family member of an injured employee alleges they suffered an injury, such as a heart attack or stroke, as a result of the employee’s injury.
Have questions regarding your employer’s liability insurance? Talk to the team at Nahai Insurance Services! We can help you secure the right coverage for your needs today.