Employer's Liability Insurance

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Employer's Liability Insurance

Insurance that protects an employer from damages from a lawsuit resulting from an injury due to the employer's negligence. It does not cover lawsuits resulting from discrimination, wrongful dismissal and so forth. Employer's liability insurance is required in some jurisdictions and may be rolled in with a worker's compensation policy.
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References in periodicals archive ?
Section 627.191, Florida Statutes, prohibits insurers from making or issuing "a contract or policy of worker's compensation or employer's liability insurance except in accordance with the filings which are in effect for such insurers.
Employer's liability provides cover with respect to employees, where benefits are provided in order to fund compensation or legal fees if an employee is injured, made ill or killed at work.
The decision was appealed by run-off insurers who sought to apply an earlier Court of Appeal decision in a public liability claim involving Bolton Council to the employer's liability cases.
For them, the Commission has not shown why the objective of the directive could not be attained by means other than the setting up of a no-fault liability regime for employers and why the disputed clause of the British law limits the employer's liability. Likewise, on the influence of the clause on the scope of the safety obligation incumbent upon the employer, the Court considers that the Commission has not adequately specified its arguments.
There is a fear that providing such advice increases an employer's liability, but "we've taken the position that they're not responsible for the advice given by investment advisers, provided that they prudently selected the institution or company providing the advice," says the DOL's Doyle.
Find out if your Coverage B, or Employer's Liability Policy, covers workers' intentional tort claims and plan accordingly.
In fact, relief from the duty to withhold or the obligation to pay employment taxes can substantially reduce an employer's liability. This article examines recent cases defining wages and their corresponding effect on withholding and employment tax obligations and on retirement benefits.
Authority solicitor Ann Wolman said there were 89 civil claims pending, going back to 1994, 72 being public liability and 17 employer's liability.
Mr Williams said, ``The insurance industry needs to be investigated to find out why they are not willing to provide employer's liability compulsory insurance for small quarries and mines.
At a minimum, the comments said, the "indifference" standard for "culpable conduct" should be eliminated or made inapplicable to corporate employees in respect of their employer's liability. Finally, the comments said, a civil penalty for corporate employees who knowingly make "false statements" that lead to an improper corporate tax reduction should be capped at $1,000 per instance of culpable conduct.
The Board appealed to the Eighth Circuit contending that the lower courts' affirmance of the jury verdict against it ignored the lack of evidence offered to show the Board Member defendants knew or should have known of the retaliatory actions by their employee.(59) Thus, the case presented the problem of determining the applicable standard for the employer's liability. In its analysis of the retaliation claim, the court applied the same paradigm for liability determinations applied in sexual harassment claims, by attempting to characterize the retaliatory behavior as either quid pro quo or hostile environment harassment.(60)
PAV and Smith sought defense and indemnity coverage from United States Fidelity & Guaranty (USF&G) under a comprehensive general liability (CGL) policy and also under an Employer's Liability (EL) Policy.

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