Contingent Employers' Liability Insurance

Employer's liability is coverage for the employee of the person or organization named on the policy schedule who is performing duties related to the that person or organization's business. It can also refer to the spouse, child, brother, sister or parent as a consequence of that employment.

If that employee has Workers Compensation Benefits (WCB) that this will not apply. Contingent Employers' liability insurance brings in the further exclusion on bodily injury whether the policyholder may be liable as an employer or in any other capacity and to any obligation to share compensatory damages with or repay someone else who must pay compensatory damages because of the injury.

It is important that your agent or broker be kept informed of the changes to your business. This can include the number of full and part time employees. An occasional or part time employee is someone who would likely not be under the WCB. Changes to the operation that your business does and the duties that the employees will perform is useful information in providing the correct insurance for your needs.