Employers Liability

Employers Liability insurance provides coverage for the legal obligation of an employer to pay damages because of bodily injury by accident or disease, including resulting death, sustained by an employee. Employers Liability coverage applies only if the injury or death of an employee arises out of and in the course of employment and is sustained:

1. In the United States of America, its territories or possessions, or Canada, or
2. While temporarily outside the United States, its territories or possessions or Canada, if the injured employee is a citizen or resident of the United States or Canada; but suits for damages and actions on judgements must be in or from a court of the United States, its territories or possessions or Canada.

Unless specifically excluded, coverage for the liability of an employer under admiralty law and the Federal Employers Liability Act is provided by employers liability insurance