An employers' liability insurance policy protects the employer from liabilities arising from disease, fatality, or injury to employees resulting from workplace conditions or practices.
Claims can come from the employee, his or her family members, relatives and third parties. Employers' liability insurance is usually offered as additional coverage included in workers' compensation policies. Employees who are injured due to an employers' negligence can pursue their employer for compensation. It is important to note that employer's liability insurance does not cover against claims related to wrongful dismissal, and sexual discrimination.
Employers should not confuse employers' liability policies with public liability Insurance. Employers' liability covers your business against claims made by employees for work-related accidents, injuries or illnesses; public liability insurance covers businesses against claims from third parties who are victims of physical injury or death as a direct result of the business owners' negligence.