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
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