Have you been considering your options for employer liability insurance in Arlington/Smokey Point? American Insure-All® has you covered. Proper liability coverage is vital for any business to succeed, and we want to make sure that you get the best deal possible for your policy.
If this is your first time getting employer liability insurance, you may be wondering what types of claims are covered under this kind of policy. Here are the four major types to look out for in your coverage:
Third Party Over Actions
These are third-party lawsuits from a claimant seeking indemnity because they were held liable for an employee injury. For example, an employee injured on the job by a piece of machinery that was not maintained correctly means the employee can sue the manufacturer of the equipment. The manufacturer can then sue the employer for contributory negligence because of the lack of proper maintenance on the machine. In the event of such legal entanglements, it is vital to have this kind of coverage.
Consequential Bodily Injury
This is a type of suit that is filed by family members for injuries to a family member as a result of the employee’s injury. If, for example, a spouse got injured while taking care of an injured employee, or is working several jobs to make up for financial deficits, they may file a claim against the employer for consequential bodily injury.
When an injured employee sues the employer after being harmed by a product that the employer manufacturers, this is the type of suit that you can expect. Employers are liable as both the employer and the manufacturer of the product involved in the claim.
Loss of Consortium
This is the type of lawsuit that is filed by the spouse of an injured employee for the loss of that loved one’s services after injury.
If you need employer liability insurance in Arlington/Smokey Point, American Insure-All® wants to make sure that you have all the information you need to make the best decisions for your liability coverage. For more information about our services, or to speak with our team about your insurance needs, give us a call today at (888) 411-AUTO.