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Employers Liability Insurance

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Employers Liability: What Does It Cover?

Employers Liability Insurance, or Employment Practices Liability Insurance (EPL or EPLI) is Part II of the standard Workers Compensation Policy. Every employer that is covered by a Quote Liability Workers Compensation Insurance policy is therefore also covered by an Employers Liability Insurance policy. Employment Practices Liability Insurance(EPLI) from Quote Liability protects employers from any legal liability from claims of employee injury that is not covered under the Workers Compensation Policy. Although not limited to these, the four most common (but not limited to) types of such claims are:

Consequential Bodily Injury – a lawsuit filed by a family member of an injured employee who suffers injuries as a consequence of the employee’s injury. Example: The spouse of an injured employee files a lawsuit against the employer seeking damages for the heart-attack/stress/nervous-breakdown/etc. upon learning of the employee’s injury.

Dual Capacity Suita lawsuit filed by an injured employee against their employer seeking damages for an injury resulting from a product the employer manufactures. In these circumstances the employer would be liable not only as an employer, but also as the manufacturer.

Loss of Consortiuma lawsuit most commonly filed by the spouse of an injured employee for loss of the services the injured employee would perform outside of their job. Example: The spouse of an injured employee may file a lawsuit seeking compensation for the loss of their spouses aid in household chores, daily living arrangements, et cetera.

Third Party Over Actions a lawsuit filed by a third party seeking indemnity because it was deemed they were liable for the injury to an employee. Example: If an employee were injured by a piece of machinery that had not been properly maintained due to the employer’s own negligence, and then in addition to their workers compensation insurance the employee sued the manufacturer, the manufacturer could then file a lawsuit against the employer for contributory negligence due to poor maintenance.

Your Business Can Depend on Quote Liability Insurance!

While Workers Compensation Insurance does not specify a limit, Employment Practices Liability (EPL) does, usually capping at $1 million. This coverage applies to damages that the insured must pay, and is thus subject to the limits shown within the policy. Coverage is also limited to the United States of America, its territories, possessions, and Canada. Employers Liability Insurance does not apply however to those states or jurisdictions that have monopolistic state funds: Ohio, North Dakota, West Virginia, Wyoming, Washington, the U.S. Virgin Islands, and Puerto Rico.

Employers Liability Insurance covers almost everything, however a few exclusions to apply:

  • Liability Assumed Under a Contract
  • Bodily Injury to an employee while in violation of the law, under the full knowledge of the employer
  • Punitive or Exemplary Damages because of bodily injury to an employee while employed and in violation of the law
  • Bodily Injury caused intentionally or aggravated by the employer
  • Any obligation previously imposed by a workers compensation, occupational disease, unemployment compensation, disability benefits law, or any other similar law
  • Bodily injury that occurs outside of the United States of America, its territories, possessions and Canada. Note that this exclusion does not apply to bodily injury if a citizen or resident of the United States of America or Canada is temporarily outside of the country. Although temporarily” is not defined, 90 days is a good rule of thumb. (As previously mentioned, any out of country exposures should be evaluated, and a foreign voluntary workers compensation program should be considered.)
  • Damages that would be provided under an Employment Practices Liability policy.  Specifically, wrongful termination, discrimination, harassment, or other workplace related torts.
  • Fines or penalties imposed for violation of Federal or State Law
  • Damages that are payable under the Migrant and Seasonal Agricultural Worker Protection Act

Quote Liability has the Lowest Employer Liability Insurance Rates!