What Is Employers Liability Insurance?

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What Is Employers Liability Insurance? | Workers Comp Explained

Employers Liability Insurance is one of those coverages many business owners don’t think about until there’s a claim. In this video, we’ll break down the basics:

🔹 What Employers Liability Insurance is and how it works
🔹 Why it’s usually included as part of your workers comp policy
🔹 Why we always recommend the $1M/$1M/$1M limits over state minimums or $500k limits
🔹 How it covers not just settlements but also your legal defense costs
🔹 Why it’s not a substitute for Employment Practices Liability (EPLI) coverage
🔹 How proper limits help keep your coverage consistent across policies, especially if you carry an umbrella

Employers Liability can often times be an overlooked coverage, but it plays a critical role in protecting your business from lawsuits tied to employee injuries.

📞 Need help reviewing your workers comp policy or Employers Liability limits? We’re here to help. Contact us today to make sure your business is properly protected.

#EmployersLiabilityInsurance #WorkersCompInsurance #MichiganInsurance #CommercialInsurance

Need help with your insurance? Have questions?
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📞 Call or Text: 248-459-3045
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**DISCLAIMER: THIS IS NOT LEGAL ADVICE. USE AT YOUR OWN DISCRETION. THIS VIDEO INCLUDES MICHIGAN INFORMATION ONLY.