 Life Insurance Policies??? |
| What is the best life insurance company to go with so that my wife and children will have something in the event of my death?... |
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 Auto Insurance.? |
| Ok so im thinking of getting this 07' Pontiac G6 but i cant seem to find a insurance company with a quote lower than 300 mo. is there a insurance company / website that will give you quotes for ... |
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| What are some of the factors you need to consider?... |
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 My mother was murdered a week ago, what financial resources are available to me? |
| My mom was murdered by her boyfriend of 7 years in a murder suicide four days before Christmas. I am a 21 year old college student going to Ohio University. I was wondering what financial resources ... |
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 State Farm Insurance Claim. Help!!!? |
| T.L. Thompson and associates has been assigned my sibrogation claim. I was driving without motorcycle insurance and hit a parked car. I've asked them for the documentation as far as ... |
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 Any ideas who to contact if I've been given false information on a compensation claim that I have made? |
| I was originaly told that my claim would be on a no win no fee basis and that all compensation due to me would be mine. The firm that dealt with my claim have now deducted a 30% commission fee which I... |
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 Employer Health Benefits and Pre-existing Conditions...? |
Does anyone have ANY ideas on what I should do next?
s it true that in the state of Califonia that an employer can not deny health benefits to an employee because they have a pre-existing ... |
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 How does an insurance company decide if they are going to total out a car? |
| So last week, my 2001 Ford Focus, which I still owe $1500.00 on rolled down the driveway. Kelly Blue Book says its worth $1800. The estimate I got from the repair shop was between 1850. and 2000 ... |
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 Around how much could I save switching from a $500 deductible to $1000 deductible? |
| Currently my husband and I pay about $212 a month for our car insurance.... he has a 2002 Explorer and I have a 2007 VW Jetta. He had an accident back in 2006 and we are both only 20, almost 21 but I... |
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 Can you buy legal insurance to help you in case you get sued? |
| I am starting a small business and know there are risks of getting sued for crazy reasons. Please share any details! THANKS!... |
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 Life insurance question? |
| My parents are divorced and my dad is trying to get life insurance for himself. He says he needs my brother's and my information like SSN and birth certificates. Does he need them? My mom doesn&#... |
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 Is this how insurance companies work? |
| My daughter had her unattended legally parked car hit and totaled out by a drunk driver with no insurance in a stolen car. The owner of the car had no insurance and both of these people are in jail ... |
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 Auto Insurance - Uninsured/Underinsured? |
| I have auto insurance coverage. I understand the various coverages included in the current policy. 1)Liability a)Bodily Injury b)Property Damage 2)Personal Injury Protection (madatory in MN) 3)C... |
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 My dad is 67 and wants to get a 1 year term insurance. Are there any companies that are reasonable? |
67 Years Old
$250,000 face value
1 Year Term
Additional Details
No, he is in great health, its to satisfy my Mother because he wants to work for another year. So basically he ... |
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katlady30004 | What is the difference between employers liability ins. and workers compensation ins.? |
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Xeod
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Employers liability is usually Part 2 of a standard Workers Compensation policy. Part 1 of the policy provides for workers compensation insurance. This is, basically, a "no-fault" type of coverage. An injured employee does not have to sue his employer if he is injured on the job in order to collect benefits. The WC insurance pays for medical expenses and lost wages. It does not pay for "consequential" damages such as pain & suffering, loss of consortium, etc.
Employers liability coverage pays for other damages the employer may be found legally responsible for due to an employee's injury. These may include wrongful death, damages for care or loss of services, consequential injury to a spouse, child ,etc. These would result from a lawsuit filed by the employee or a third party. Because workers compensation is designed to be a "no-fault" type of coverage, it is usually very difficult for an employer to be found liable for these consequential damages. Generally, the employer would have to intentionaly injured an employee or have forced the employee to perform a certain task that would almost certainly injure the employee.
Employers Liability should NOT be confused with General Liability as it involves only injuries to employees. General Liability insurance is coverage for a business owners liability to third parties (not employees) for customers falling on the premises, defective products, etc. |
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taketwo
 |
it's self explanatory really |
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John
 |
W/C - Employer's legal obligation under worker's compensation law. This coverage is considered the exclusive or sole remedy for recovery by an employee for injuries and disease arising out of and in the course his or her employment.
Employer's Liability - Employer's legal liability, determined by negligence, for injury to an employee in a situation not covered under W/C or an action taken by a third party. |
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mbrcatz
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Employers liability would be if your employee is hurt on the job, killed maybe, and his WIFE sues you for being negligent. It's really just a technicality in most states, and just covers the attorney fees for your defense. You usually buy it in conjunction with Workers Comp coverage, in case your employee is injured outside of the state he lives in, works in, or your business is domiciled in. It typically has a limit of 100/500/100 or 500/500/500.
Workers comp is a vague coverage, that pays medical expenses and lost wages, as required by statute (which means it's always changing per case law), regardless of fault, for any employee injured on the job. Here's the important part: THERE IS NO LIMIT OF COVERAGE, yep, that's right, it's unlimited, except by case law. |
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austinguy62
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Employee Liability is when someone other than an employee is harmed. Workers Comp is used when the employee is hurt on the job. Of course this is a very simiplifed form. |
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robert S
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Workman's comp is there to provide relief to the employees in case of interruptions to the pay check due to job related injuries. Another similar kind of insurance is the disability insurance. Both of these are bebefits to the employees.
Liability insurance is there to protect the employer from being sued for whatever reasons. |
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John G
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Basically, employer's liability insurance is insurance that protects the employer from liability to another person for injury caused by the employer's negligence, including the negligence of its employees. Under the liability policy, the employer is the insured and pays the policy premium.
Worker's compensation insurance is insurance mandated by state law that requires the employer to insure its employees for on-the-job injury, death, or disability. The requirements vary depending on the state law. For example, in Georgia, an employer doesn't need to get worker's comp insurance, unless it has 3 or more employees. Under the worker's comp policy, the employees are the insureds, but the employer pays the premium. |
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