Workers' Compensation
Statutory coverage providing medical benefits and wage replacement to employees injured on the job, as required by state law.
Medical benefits
Wage replacement
Rehabilitation
Death benefits
Who Needs This?
Required for virtually all employers with employees in most states.
Employer's Liability
Part B of the workers' compensation policy, covering employer liability for work-related injuries not covered by the statutory workers' comp system.
Third-party over actions
Dual capacity claims
Loss of consortium
Consequential bodily injury
Who Needs This?
All employers — typically included with workers' compensation policy.