Employer's Liability Protection
Complete Security Beyond Standard Workers' Comp
Standard insurance covers injuries, but it doesn't always stop lawsuits. We bridge the gap, protecting your agency from legal claims that fall outside of basic statutory coverage.
Workers' Comp vs. Employer's Liability
Broad Protection
While Workers' Comp covers mandatory medical bills and lost wages, Employer's Liability defends your business against lawsuits from employees who claim your negligence caused their injury.
Litigation Defense
It steps in when an employee waives their workers' comp benefits to sue the company directly for damages not covered by standard state-mandated payouts.
Employer Defense Costs
Covers legal fees, settlements, and court awards that could otherwise bankrupt a small business following a workplace accident lawsuit.
Third-Party Action Suits
Protects you if an injured worker sues a third party (like an equipment manufacturer), who then sues you for contributory negligence.
Protect Your Leadership Team
Who needs this? Any employer who wants to shield their business from lawsuits that aren't covered by standard workers' comp—like negligence or discrimination claims.
- Coverage for legal costs and settlements
- Defense against employment-related lawsuits
- Protection for private companies and non-profits
- Customized plans for your specific industry niche