This is a legal requirement where a business employs one or more people, and covers the Legal Liability of the business to provide safe working conditions to its employees. An example might be an employee injured whilst carrying a heavy load at work who sues his employer for damages.
An Act that made it obligatory for businesses to insure in respect of their liability to employees for bodily injury or disease arising out of and in the course of their employment. Employers liability insurance is a compulsive policy that all companies must have if they employ anyone. The cover is compulsory so that if any of the employees decide to pursue their employer for compensation they will definatley be able to get the compensation. An employee could sue their employer for a number of reasons, here are just a few examples: Unfair dismissal Sexual discrimination Racism
a personal injury claim arising from injuries sustained whilst completing employment responsibilities
Insurance that covers an employer's liability for bodily injury to employees occurring within the scope of their employment when that liability is not covered by workers' compensation. Primary coverage is provided by Part II (before 1986, Section B) of a workers' compensation policy, usually for a limit of $1 million. Self-insured employers are normally covered by an endorsement to their general liability policy. Excess coverage can be provided under most umbrella and excess liability policies. Employers' liability coverage can be added to a workers' compensation policy issued for specific states to provide coverage in additional states, including monopolistic states, by endorsement.
Employers liability provides insurance cover for lawsuits filed by injured or ill employees who take action against their employer.
Legal liability imposed on an employer making him or her responsible to pay damages to an employee injured by the employer's negligence. Generally, replaced by 'workers compensation', which pays the employee whether the employer has been negligent or not.