The exclusion bars coverage for bodily injury to an employee arising out of employment, and typically extends to derivative claims by family members and to obligations to indemnify others for such injury.
It channels employee injury exposure to workers' compensation and employers liability coverage.
Alternative Names:
Employers Liability Exclusion, Employee Injury Exclusion
Why it Matters?
The extension to indemnity obligations is the provision that surprises contractors, because it can bar coverage for a general contractor's contractual duty to indemnify a party sued by the contractor's own employee. That gap requires careful coordination between the general liability policy, the employers liability policy, and any additional insured endorsements. Third-party over actions are precisely where the exclusion bites.
Frequently Confused with
Related terms
Frequently asked questions
Does the exclusion bar contractual indemnity claims?
How are leased workers treated?
