Which insurance covers liability to Owner from employee injuries caused by occupational diseases?

Which insurance covers liability to Owner from employee injuries caused by occupational diseases?

• A. Professional Liability
• B. Public Liability
• C. Workers' Comp
• D. Employer's Liability

Answer: (D)

Focus on the employer’s exposure to legal claims arising from what happens to workers on the job. Workers’ compensation provides medical benefits and wage replacement to employees for work-related injuries and illnesses and generally bars employees from suing the employer for those injuries. But there can still be liability faced by the employer for how the illness arose or was prevented, and third parties such as the project Owner can bring claims related to those occupational diseases. Employer’s liability insurance sits to cover the employer’s legal exposure in those situations—covering bodily injury or disease to employees arising out of and in the course of employment, including occupational diseases, and the related lawsuits brought by others (like the Owner) that aren’t fully addressed by workers’ comp. That’s why this coverage is the appropriate choice for liability to the Owner stemming from employee illnesses connected to occupational disease.

Focus on the employer’s exposure to legal claims arising from what happens to workers on the job. Workers’ compensation provides medical benefits and wage replacement to employees for work-related injuries and illnesses and generally bars employees from suing the employer for those injuries. But there can still be liability faced by the employer for how the illness arose or was prevented, and third parties such as the project Owner can bring claims related to those occupational diseases. Employer’s liability insurance sits to cover the employer’s legal exposure in those situations—covering bodily injury or disease to employees arising out of and in the course of employment, including occupational diseases, and the related lawsuits brought by others (like the Owner) that aren’t fully addressed by workers’ comp. That’s why this coverage is the appropriate choice for liability to the Owner stemming from employee illnesses connected to occupational disease.