Which statement describes employers' liability in relation to WC?

Which statement describes employers' liability in relation to WC?

• A. Employers' liability covers employee injuries under WC.
• B. Employers' liability covers statutory liability not included in WC.
• C. EL supersedes GL.
• D. EL is the same as GL.

Answer: (B)

The key idea here is how Employers’ Liability works alongside Workers’ Comp. Workers’ Compensation provides guaranteed benefits to employees for work-related injuries, regardless of fault, and it’s the employee’s specific remedy. Employers’ Liability is separate protection that covers the employer’s liability for claims arising from injuries to employees that aren’t included in the Workers’ Comp benefits. In other words, EL handles statutory or common-law liabilities that WC doesn’t cover. That’s why the correct statement is that Employers’ Liability covers statutory liability not included in WC. It’s not about paying the employee benefits (that’s WC), and it’s distinct from General Liability, which covers third-party injuries to people other than employees.

The key idea here is how Employers’ Liability works alongside Workers’ Comp. Workers’ Compensation provides guaranteed benefits to employees for work-related injuries, regardless of fault, and it’s the employee’s specific remedy. Employers’ Liability is separate protection that covers the employer’s liability for claims arising from injuries to employees that aren’t included in the Workers’ Comp benefits. In other words, EL handles statutory or common-law liabilities that WC doesn’t cover. That’s why the correct statement is that Employers’ Liability covers statutory liability not included in WC. It’s not about paying the employee benefits (that’s WC), and it’s distinct from General Liability, which covers third-party injuries to people other than employees.