Employers Liability Insurance (EL)

Employers Liability insurance is an important type of coverage for any business that has employees. This insurance protects employers from financial losses due to workplace injuries or illnesses that employees may suffer while on the job. Without this coverage, employers may be liable for significant legal and medical expenses associated with these injuries or illnesses.

Employers Liability insurance is typically purchased as part of a comprehensive Workers' Compensation insurance policy. Workers' Compensation covers medical expenses and lost wages for employees who are injured on the job, while Employers Liability provides additional coverage for legal and other expenses that may arise from such injuries.

Employers Liability insurance covers a variety of workplace injuries, including those resulting from accidents, exposure to hazardous materials, and occupational illnesses. It also covers injuries that occur while employees are traveling for work-related activities, as well as injuries resulting from workplace violence.

In the event that an employee is injured or becomes ill while on the job, Employers Liability insurance can provide coverage for legal defense costs, settlements, or judgments that may be awarded in a lawsuit. This coverage can be critical for businesses, as workplace injury claims can be costly and time-consuming to defend.

In summary, Employers Liability insurance is an important type of coverage that protects businesses from financial losses due to workplace injuries or illnesses. This coverage can be purchased as part of a comprehensive Workers' Compensation policy and provides protection against legal and other expenses associated with workplace injury claims.