Work Comp And CGL Gaps Necessitate Employers' Liability Insurance

Why coverage as significant and crucial as employers' liability is routinely ignored is baffling. Employers' liability protection has been mistakenly viewed as a throw-away coverage that is simply tacked on to the workers' compensation policy. Understanding and focusing attention on workers' compensation and general liability is seen as a better use of the agent's time. One reason may be that few agents have ever been a part of an employers' liability claim.

But as mentioned in the first employers' liability coverage discussion, the importance of this dovetail coverage cannot and should not be overlooked. This is the tie that binds two main coverages together - such gap coverage deserves as deep an understanding as do the coverages it joins together.......NEXT