Employer's liability insurance
Published 2026-06-12 · by Brokly
In plain terms: The part of a workers' comp policy that covers lawsuits employees can still bring — claims that fall outside the state's no-fault benefit system.
Why it matters to you
Workers' comp benefits and employee lawsuits are different exposures sharing one policy: benefits flow on the state's schedule no matter who's at fault, while this part defends the suits that land anyway — a spouse's claim, an illness dispute. Contracts often demand specific employer's liability limits, so it's a number worth knowing.
Where you’ll see it
Part Two of a workers' comp policy; on certificates as a set of three dollar limits printed beside the statutory workers' comp line.
Related terms
Definitions describe how policies are typically structured — exact terms live in the policy. Not legal or compliance advice.