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.
References in periodicals archive ?
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.
The CGL form does have an employer's liability exclusion, but this applies to bodily injury to an employee, and not to bodily injury suffered directly by a child in utero.
He added that employer's liability insurance was a ``particularly hazardous'' business for insurance companies.
46) The Court did not intend the categories to determine an employer's liability for discrimination by employees.
This report provides extensive coverage of the employer's liability, professional indemnity and directors and officers markets.
The only exception in which an employer/small business does not have to take out employer's liability insurance are if he/she employs only: * Her/himself.
Last year there were more than 105,000 Employer's Liability personal injury claims.
International coverage, including property, general liability, foreign voluntary workers' compensation, employer's liability and kidnap and extortion, is available through International Advantage, an ACE American insurance policy.
3121(q) precludes the use of an aggregate estimate, specifying that "wages" include tips, but only those received by an employee in the course of his or her employment, with emphasis on the employer's liability for each individual employee's tips, not on total employee tips.
The company has limited business diversification but maintains an excellent profile for UK employer's liability which accounts for approximately 70% of overall gross premium.
The talks follow claims that soaring employer's liability insurance premiums are threatening many small and medium businesses in 'high risk' sectors such as building, transport maintenance and mining.

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