Worker's Compensation Insurance

10 What this means is that an employer assumes absolute liability for all work-related injuries, and workers’ compensation benefits are the sole remedy for injured workers against their employers. Generally, an injured employee covered under workers’ compensation laws cannot sue his/her employer for damages in civil court. Despite the fact that workers’ compensation is considered to be the exclusive remedy for employees with work- related disabilities, employers’ liability insurance can provide important coverage in addition to workers’ compensation insurance. Employers’ liability insurance is offered under Part Two of a workers’ compensation and employers’ liability insurance policy. Employers’ liability Part Two protects the employer against instances in which an employee’s injury or disease is not subject to the workers’ compensation laws. Employers may contact a licensed commercial broker-agent to discuss employers’ liability coverage as a part of the workers’ compensation policy.