When discussing employer liability insurance, which claim does it protect against?

Employer liability insurance is designed to protect employers against claims made by employees who suffer work-related injuries or occupational diseases that are not covered by workers' compensation statutes. This insurance provides coverage for legal fees, settlements, and other expenses associated with such claims.

Claims related to occupational diseases that aren't covered by law are particularly relevant because workers' compensation laws may not encompass every possible scenario an employee may face regarding illness or injury linked to their employment. For example, if an employee develops a chronic condition as a result of their working environment, but that condition falls outside the purview of workers' compensation regulations, employer liability insurance would step in to offer protection.

In contrast, claims for non-work-related injuries, injuries from natural disasters, and general liability towards customers fall outside the purview of employer liability insurance. Non-work-related injuries do not involve the employer's liability, while natural disasters represent acts of God or unforeseen events unrelated to employment practices. General liability towards customers is typically addressed under a different type of insurance altogether, focusing instead on third-party claims rather than employee-related incidents.