What does the fellow employee exclusion remove coverage for?

The fellow employee exclusion specifically removes coverage for situations where one insured employee injures another employee during the course of their employment due to negligent actions. This exclusion is rooted in the principle of workers' compensation laws, which typically provide a remedy for employees injured by fellow employees. By excluding this type of liability, it prevents potential overlap between workers' compensation benefits and liability coverage under a general liability policy.

This exclusion is important because it distinguishes between workplace injuries typically covered by workers' compensation and those that might arise in a context where one employee's actions pose a liability risk to another. In this framework, employers are encouraged to rely on their workers' compensation insurance to handle claims related to employee injuries, maintaining the intent of that system to streamline and limit liability claims arising from work-related incidents.