Which insurance protects an employer against employee injury claims not covered by workers' compensation?

• A. Public Liability Insurance
• B. Product Liability Insurance
• C. Professional Indemnity Insurance
• D. Employers Liability Insurance

Answer: (D)

Employer's liability insurance protects a business from employee injury claims that aren't covered by workers' compensation. Workers' compensation provides benefits for work-related injuries regardless of fault, but there can be claims or aspects of liability—such as negligence or certain disease claims—that fall outside those benefits. This policy covers the employer's legal responsibility for such claims, including the costs of legal defense and any damages or settlements. The other types of insurance address different risks: public liability covers injuries or damage to the public, product liability covers harm from products, and professional indemnity covers negligence related to professional services.