Is Employer’s Liability Really Needed in Workers Comp?

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Employer’s Liability Part B on Policies

Employer’s Liability Insurance is an additional part of Workers Comp Insurance policies.  While Workers Comp Insurance is designed to cover your employee’s medical and disability expenses, Employer’s Liability Insurance protects your company against lawsuits due to work-related injuries.

Graphic Of Employer’s Liability With Umbrella
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Employer’s Liability Insurance covers work-related injuries not covered under the Worker’s Compensation portion of your policy. This coverage applies to your employees and to you as an employer.

Worker’s Comp Insurance and Employer’s Liability Insurance make up two parts of insurance required by law in most states. Worker’s Comp Insurance is required by regulation in most states when you have W2 employees.

Lawsuits against your company can come from the employee, his or her family members, relatives and third parties. Should an employee claim that his or her injury was caused by your company’s negligence or failure to provide a safe workplace, this insurance will protect your business from liabilities and eliminate the need for litigation. However, under this insurance, your company will not be protected against claims like wrongful dismissal or sexual discrimination.

You as an employer are liable if your employee suffers an injury due to something work-related. Injured employees are guaranteed awards from an employer for medical costs and some percentage of lost wages. This policy is intended to protect your company against any claims from injured employees.

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Table of Contents

James Moore

Raleigh, NC, United States

About The Author...

James founded a Workers’ Compensation consulting firm, J&L Risk Mgmt Consultants, Inc. in 1996. J&L’s mission is to reduce our clients’ Workers Compensation premiums by using time-tested techniques. J&L’s claims, premium, reserve and Experience Mod reviews have saved employers over $9.8 million in earned premiums over the last three years. J&L has saved numerous companies from bankruptcy proceedings as a result of insurance overpayments.

James has over 27 years of experience in insurance claims, audit, and underwriting, specializing in Workers’ Compensation. He has supervised, and managed the administration of Workers’ Compensation claims, and underwriting in over 45 states. His professional experience includes being the Director of Risk Management for the North Carolina School Boards Association. He created a very successful Workers’ Compensation Injury Rehabilitation Unit for school personnel.

James’s educational background, which centered on computer technology, culminated in earning a Masters of Business Administration (MBA); an Associate in Claims designation (AIC); and an Associate in Risk Management designation (ARM). He is a Chartered Financial Consultant (ChFC) and a licensed financial advisor. The NC Department of Insurance has certified him as an insurance instructor. He also possesses a Bachelors’ Degree in Actuarial Science.

LexisNexis has twice recognized his blog as one of the Top 25 Blogs on Workers’ Compensation. J&L has been listed in AM Best’s Preferred Providers Directory for Insurance Experts – Workers Compensation for over eight years. He recently won the prestigious Baucom Shine Lifetime Achievement Award for his volunteer contributions to the area of risk management and safety. James was recently named as an instructor for the prestigious Insurance Academy.

James is on the Board of Directors and Treasurer of the North Carolina Mid-State Safety Council. He has published two manuals on Workers’ Compensation and three different claims processing manuals. He has also written and has been quoted in numerous articles on reducing Workers’ Compensation costs for public and private employers. James publishes a weekly newsletter with 7,000 readers.

He currently possess press credentials and am invited to various national Workers Compensation conferences as a reporter.

James’s articles or interviews on Workers’ Compensation have appeared in the following publications or websites:

  • Risk and Insurance Management Society (RIMS)
  • Entrepreneur Magazine
  • Bloomberg Business News
  • WorkCompCentral.com
  • Claims Magazine
  • Risk & Insurance Magazine
  • Insurance Journal
  • Workers Compensation.com
  • LinkedIn, Twitter, Facebook and other social media sites
  • Various trade publications

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