Employer’s Liability Coverage
- Helps protect your business from legal fees and judgments related to employee injury or death claims
- Part two of American Family Insurance’s workers’ compensation policy*
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What is employer's liability coverage?
If an employee or their estate sues you over an on-the-job injury, employers’ liability coverage can help. If the claim is covered, it can ease your financial burden.
When Employer's Liability Coverage Helps
“Legal costs or settlements” are broad terms that may apply to a variety of expenses. Here are a few examples of what employer's liability coverage may help cover, up to policy limits.
Resource
Employer's liability coverage is part two of our workers’ compensation policy. Employees may receive compensation for injuries, while legal costs for employers may be covered too.
Legal Representation
Law firms often charge clients based on time spent working on a case. That may include plaintiff negotiations, evidence gathering and court sessions. Employer's liability coverage may help businesses pay for representation.
Court Costs
Going through the legal process can mean paying many different expenses. Fees for document filing, testimony transcription and court hearings may add up quickly. Businesses with this coverage may have an easier time handling these and other costs.
Settlements
Businesses may pay settlements to avoid going through the legal process or by court order. Depending on what the other party will accept, these payouts may be high. This coverage may reduce the cost to employers or even cover it completely.
Frequently Asked Questions
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*Employer’s liability insurance is not automatically provided in OH, ND and WA but may be endorsed.
**This information represents only a brief description of coverages, is not part of your policy, and is not a promise or guarantee of coverage. If there is any conflict between this information and your policy, the provisions of the policy will prevail. Insurance policy terms and conditions may apply. Exclusions may apply to policies, endorsements or riders. Coverage may vary by state and may be subject to change. Some products are not available in every state. Please read your policy and contact your agent for assistance.