What It Covers

• Lawsuits from employees (outside workers comp)
• Third-party lawsuits (spouse, family member claims)
• Dual capacity lawsuits (employer also product manufacturer)
• Loss of consortium claims
• Consequential bodily injury claims

Key Characteristics

• Protects against lawsuits not covered by workers comp
• Covers legal defense costs
• Typical limits: $100K-$1M per accident
• Usually bundled with workers comp policy

Example Claim:

Employee’s spouse sues for “loss of consortium” after workplace injury leaves employee permanently disabled. Employer’s liability covers defense costs and settlement.