What do employers' liability insurance policies primarily cover?

Employers' liability insurance primarily covers claims from employees for work-related injuries. This type of insurance is designed to protect employers from legal liability that may arise if an employee suffers an injury or illness as a result of their job.

In many cases, employees have the right to sue their employer in addition to any workers' compensation claims they may file. Employers' liability insurance provides coverage for the legal costs and any settlements or judgments that may result from such lawsuits. This protection is essential as it helps to mitigate the financial risks associated with workplace injuries that could otherwise potentially lead to significant expenses for the employer.

The other options, while related to workplace issues, do not accurately reflect the focus of employers' liability insurance. For example, property damage claims from employees typically fall under different types of coverage. Employee theft would be addressed through a crime policy, while general liability relates to third-party claims regarding property damage or bodily injury not directly caused by employee actions. Therefore, the correct understanding of the scope of employers' liability insurance is critical for recognizing its role in ensuring workplace safety and protecting businesses from potential legal repercussions.