Employer Liability Insurance

Employer liability insurance covers employers for lawsuits by their employees.  Generally, workers’ compensation remains the main remedy for employees to recover medical costs and lost wages resulting from injuries, but sometimes there are bodily and financial injuries that fall outside of worker’s compensation policies.  In many circumstances—such as an intentional tort—worker’s compensation will not cover an employer against a claim by an employee. 

Employer’s liability policies are so specific that insurers often get away with denying coverage.  They are often times betting on the fact that they don’t think the employer will challenge their denial.  Many times, the insurance company makes its denial based on the “intentional acts” exclusion in the policy, based on the intentional tort exception in worker’s compensation.  This type of denial is not always proper. 

If you or your company are being sued and your employer’s liability insurance carrier  has reserved its rights or is denying coverage, you should contact the Davis Law Firm immediately to discuss your options.