Employer’s Liability Coverage
Free Insurance Comparison
Compare Quotes From Top Companies and Save
Secured with SHA-256 Encryption
UPDATED: Dec 1, 2020
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider. Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about life insurance. Our goal is to be an objective, third-party resource for everything life insurance related. We update our site regularly, and all content is reviewed by life insurance experts.
Most states require some form of workers compensation insurance and carry different laws regarding benefits.
Work Comp coverage offers benefits to employees of companies and must be purchased by employers.
Coverage part 2 of the workers compensation insurance policy details the employer’s liability section of the policy.
There are two instances where employer’s liability would be necessary:
First, an employee may reject coverage under part 1 of the work comp policy, or for some reason, may not be able to collect for benefits under part 1.
An example may be when someone is performing the work of a household employee. This type of work can be excluded for coverage under certain state laws.
Another situation would arise when a surviving spouse or dependent sues the employer for damages as a result of the death of their family member.
For example, if your spouse were to die as a result of an explosion at a factory, you may retain the right to sue the employer for damages.
This concept is known as loss of consortium, which can be described as the loss of the normal benefits one would receive in the event a relationship they were in ceased.
As mentioned earlier, each state has different laws, so be sure to contact your employer or state department of insurance to determine what benefits you may be eligible for as a result of a work-related accident.