Employer's Liability Insurance
(Not Employment Practices Liability Insurance - EPLI)

Employer's Liability Insurance is not the same as Employment Practices Liability Insurance. Employer's Liability Insurance covers:

  • Third-party lawsuits filed by another entity distantly involved in the workplace incident. An employee may be injured by a piece of equipment on the job, and sue the equipment manufacturer who then files suit against the employer.
  • Loss of consortium lawsuits filed by family members of a deceased or disabled employee, seeking compensation for the loss of the relative or their income.
  • Consequential bodily injury lawsuits filed by a non-employee who suffers physical damage as a result of an employee's injury, such as a spouse who develops health problems from taking care of the injured worker.
  • Dual-capacity lawsuits filed when an employee sues their employer both as an employer and as something else, the maker of a product, provider of a service, landlord, etc.

Employer's Liability Insurance is designed to cover claims and expenses not covered by workers' compensation insurance.

Workers' Compensation Insurance

Employment Practices Liability Insurance

 

OTC Insurance Services
a California Corporation

5737 Kanan Road, Suite 630
Agoura Hills, CA 91301

Isaac Ortiz 818-429-8022 (Direct)
Office: 818-991-9019

CAInsuranceAgents.com

License # 3013582