WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE insures against claims for work-related injuries or diseases suffered by employees provided the claims are compensable by statute and/or imposed by law as damages. Other states' insurance is described in the policy but only activated by an entry on the declarations. Employees exempted by the law can be covered by using a voluntary workers compensation endorsement. Employers liability coverage provides protection when an employee sues the employer for damages that are outside of the state's workers compensation statute.
(Use ACORD Form #130)
Related PF&M Article: Overview of the Workers Compensation and Employers Liability Policy Form