Protecting your business and your people
Key areas of employers’ liability insurance coverage
Workplace injuries and occupational illnesses can create liability exposures for employers. Employers’ liability insurance helps protect your business when an employee experiences work-related bodily injury or disease and the employer is held legally liable.
Work-related bodily injury
Provides protection when an employee suffers a bodily injury arising from their work and the employer faces a related liability claim.
Work-related disease
Helps protect against liability arising when an employee develops a disease or illness connected to their work or workplace conditions.
Employer legal liability
Provides coverage for the employer’s legal liability when a work-related employee injury or disease results in a covered claim.
Damage and settlements
Coverage may respond to eligible damages or settlements that the employer is legally required to pay following a covered employee claim.
Coverage tailored to your exposure
Employers’ liability needs can vary by business, workforce, and operations. An advisor can help identify relevant exposures and structure coverage around your organization.
Expert advice for workplace liability risks
Protect your business with the right liability coverage
Navacord advisors help businesses understand their liability exposures and build insurance programs designed around their workforce, operations and evolving risks.
Advice tailored to your business
We take the time to understand your workforce and operations so your insurance program reflects your specific liability exposures.
Broad insurance expertise
Our advisors draw on commercial insurance expertise to help identify potential coverage gaps and recommend appropriate protection.
Local advice, National strength
Access personalized guidance from local advisors backed by the resources, expertise, and market relationships of a national brokerage.
FAQs for employers’ liability insurance
Employers’ liability insurance provides coverage to an employer for liability arising from work-related bodily injury or disease affecting employees. The specific protection available depends on the terms, conditions, and exclusions of the policy.
Businesses can face liability exposures when employees are injured or develop an illness in connection with their work. Employers’ liability insurance can help protect the organization against covered claims arising from these situations.
Coverage generally relates to bodily injuries arising from an employee’s work. Exactly what qualifies for coverage will depend on the circumstances of the claim and the terms of the policy.
It can provide coverage for employer liability arising from work-related disease, subject to the terms, conditions, limits and exclusions of the policy.
Coverage needs depend on factors such as your operations, workforce, and specific liability exposures. A Navacord advisor can assess your business and help determine appropriate coverage and limits.
