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As great as employers liability coverage is, it still doesn’t cover everything. It also contains exceptions, such as:

  • Punitive or exemplary damages because of bodily injury to an employee who is employed in violation of the law.
  • Bodily injury to an employee while employed in violation of the law with the employer’s knowledge.
  • Any obligation imposed by a workers’ compensation, occupational disease, unemployment compensation, or disability benefits law, or any similar law. These types of losses are covered under the specific policies designed for these exposures.
  • Bodily injury intentionally caused, or aggravated, by the employer.
  • Bodily injury occurring outside the United States, its territories, possessions and Canada. Note that this exclusion does not apply to bodily injury if a citizen or resident of the United States or Canada is temporarily outside of the country.
  • Damages arising out of wrongful termination, discrimination, harassment, and other workplace-related wrongful acts. Coverage for this exposure is provided under an employment practices liability policy.