What is typically excluded from standard employers' liability insurance?

Employers' liability insurance is designed to protect employers against claims from employees who may suffer work-related injuries that are not covered by workers' compensation. The primary purpose of this type of insurance is to fill gaps in coverage that may arise when workers' compensation benefits are inadequate or when an employee seeks to pursue a lawsuit against the employer for negligence after a workplace injury.

Workers' compensation typically provides coverage for work-related injuries and illnesses, ensuring that employees receive benefits for medical expenses and lost wages. However, there are certain situations and claims that may not be addressed by workers' compensation, which is where employers' liability insurance comes into play.

Thus, claims covered by workers' compensation are actually excluded from employers’ liability insurance because those claims fall under a different insurance policy that is designed to handle them specifically. If an employee's injury is fully covered by workers' compensation, there is no need for liability insurance to address that same injury.

This exclusion is crucial for maintaining the integrity of the workers' compensation system, which is intended to provide swift benefits without the delays of litigation. As a result, the focus of employers' liability insurance remains on protecting employers from lawsuits for claims that are not compensated under workers’ compensation scenarios.