Employer’s Liability Insurance

Employers’ liability insurance is an insurance policy that handles claims from workers who have suffered a job-related injury or illness not covered by workers’ compensation.

Employer’s Liability Insurance Application

Terms and conditions apply | Contact us

What Is Employers' Liability Insurance?

Employers’ liability insurance is an insurance policy that handles claims from workers who have suffered a job-related injury or illness not covered by workers’ compensation. A type of liability insurance, it can be packaged with workers’ compensation to further protect companies against the costs associated with workplace injuries, illnesses, and deaths.

However, employers’ liability insurance does not cover legal costs from employee lawsuits charging discrimination, sexual harassment, or wrongful termination. To cover these situations, an employer would need to purchase a separate type of policy called employment practices liability insurance (EPLI).

What Employers' Liability Insurance Covers

Third-party lawsuits: Filed by another entity distantly involved in the workplace incident. An employee may be injured by a piece of equipment on the job, for example, and sue the equipment manufacturer—who then files suit against the employer.
Loss of consortium lawsuits: Filed by family members of a deceased or disabled employee, seeking compensation for the loss of the relative or their income.
Consequential bodily injury lawsuits: Filed by a non-employee who suffers physical damage as a result of an employee's injury, such as a spouse who develops health problems from taking care of the injured worker.
Dual-capacity lawsuits: When an employee sues their employer both as an employer and as something else—the maker of a product, provider of a service, landlord, etc.3 One example: A piece of a ceiling in the workplace falls and hits a worker, and they file suit against their company in its dual capacity as employer and as the premises owner.
Employers' liability insurance covers companies against costs and claims by employees that are not covered by workers' compensation.

Most workers’ compensation insurance policies automatically include employers’ liability insurance.

Employers’ liability insurance places limits on the amounts paid out per employee, per incident, or per policy.

How to apply

Request a Callback

Outside of hours, request a callback for inquiries & applications.

Call our team

Mon-Fri 08.00am-6.00pm;
Sat 9.00am-5.00pm.

Visit us at our Office

Visit us at Eco Bank Towers, 10th Flr, Opp. 680 hotel.

Employer’s Liability Insurance