Workers Compensation and Employers Liability Insurance
Workers Compensation Laws, which apply throughout the United States, obligate employers to pay specified medical, disability, rehabilitation, and death benefits for their employees job related injuries and diseases.
Workers compensation and employers liability insurance provides two coverages:
(1) Coverage for benefits the Insured Employer is obligated to pay under workers compensation laws and
(2) Coverage for employee claims against the insured employer that are not covered by workers compensation laws.
In theory, employees are precluded from suing their employers for injuries or diseases covered by the applicable workers compensation law. However, in some cases employees are permitted to sue their employers for work related accidents.
The obligation to pay these benefits exists regardless of whether the employer was in any way at fault.