Employers Liability Insurance
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Employer liability insurance covers your business in the event that you are sued by an employee claiming that the conditions they work under caused them to be injured or become sick. Often a part of workers compensation protection packages, employee liability insurance policies are mandatory in many locations and a very good idea to carry, regardless of where you are located. If you have employees, then this is a very good coverage to consider carrying, period.
To find the best rates for business policies, you need to use NetQuote, the leading online insurance marketplace. With NetQuote's secure online form, you can quickly get FREE, no-obligation insurance quotes from multiple carriers, allowing you to compare rates and coverages from the comfort of your office chair. Get the protection your business needs today, to help secure its financial future!
Employers Liability Insurance Coverage
If you have employees, then you are most likely required to carry workers compensation coverage. You also may be required to carry employers liability insurance (Wikipedia definition) to protect your company in case you are sued by employees claiming to have been injured on the job, or became sick, due to workplace conditions or workplace practices. Workers compensation insurance coverage is mandatory coverage for most companies that have employees, which makes employer liability insurance coverage either mandatory, or an extremely good idea to have.
Workers compensation insurance is designed to ensure employees injured on the job receive appropriate medical care and compensation, regardless of who was at fault in the accident. Employers liability coverage is for liability claims against the employer resulting from on the job injuries or sicknesses allegedly due to workplace conditions. Because employer liability insurance works in conjunction with workers compensation coverage, it is often part of the same package. The policy will be written in such a way as to specify the payout limits for each covered occurrence for both a workers compensation claim and an employer liability insurance claim.
While you never intend to have an employee injured due to the working conditions you provide them, it is something that may occur. To properly protect your company, and its assets, you need to carry the necessary employee liability insurance policy. Your company may have the best training and procedures in place to reduce the amount of on the job injuries that occur, but accidents may still happen. Having the proper policies in place to protect both your employees and your company is vital.
Employers liability coverage is often times confused with employment practices liability insurance, but they are different policy types. Employment practices liability insurance is designed to protect against claims of wrongful termination, sexual harassment, emotional distress, and the like, where employers liability insurance is used to protect against claims where the workplace environment is blamed for an injury or illness.
Employers Liability Coverage Quotes
Many different companies offer employers liability insurance, so finding the right policy at an affordable rate can take a lot of time. To speed up the process, use NetQuote, a business insurance aggregator website. NetQuote allows you to fill out one simple rate request form and quickly get back quotes from leading carriers, all without leaving your office, or placing any phone calls. Finding the coverage your company needs have never been easier when you request free quotes online with NetQuote!
In order to protect the financial future of your business, you need to have the right type, and amount, of commercial coverage in place. Every company, and every industry, has different coverage requirements, which makes talking to a knowledgable commercial insurance agent that much more important. Discuss your business protection needs with someone familiar with your type of operation so that your coverage needs are correctly met.
Get your FREE, no-obligation employers liability insurance quotes from NetQuote today and find the right provider that meets the needs of your company. Protect both your company and those that work for you so that everyone's future is protected.
Need other coverage? Get a brief explanation of various business insurance types to see what else is available.