What type of injuries does employer's liability cover?

Employer's liability insurance is designed to cover injuries sustained by employees that are not specifically addressed by workers' compensation claims. While workers' compensation provides benefits for work-related injuries and illnesses, it does not cover every possible scenario and may not apply in cases where the employer has been negligent or the injury occurred under certain circumstances outside the typical coverage parameters.

For instance, if an employee suffers from a workplace injury due to the employer's failure to provide a safe working environment, that may fall under employer's liability rather than workers' compensation. This insurance is crucial for protecting employers against lawsuits filed by employees who claim they have been harmed due to other specific grievances, such as negligence, emotional distress, or defamation related to their employment. Therefore, it is correct to assert that employer's liability covers injuries that are not compensated under workers' compensation.