Why choose IOA for employers liability insurance?
Employers liability insurance protects your business from lawsuits related to workplace injuries or illnesses, including claims for pain and suffering, loss of consortium, or third-party liabilities. It is often bundled with workers compensation but can also be purchased separately in certain jurisdictions. With IOA’s help, you can find coverage that aligns with your business needs and risk exposures.
IOA specializes in guiding businesses through the intricacies of liability coverage. By partnering with us, you gain:
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Access to leading insurance companies
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We help you select from top insurers offering employer liability solutions relevant to your business.
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Knowledgeable support
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Our advisors understand the nuances of workers compensation and stop-gap insurance and help you understand them too.
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Compliance expertise
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We help you meet jurisdictional requirements, whether you’re operating in a monopolistic state or elsewhere.
Coverage features
Employers liability insurance provides protection for a variety of claims that workers compensation excludes, such as:
Third-party lawsuits
Claims from third parties seeking to recover damages after being involved in a workplace-related incident.
Loss of consortium
Compensation claims by family members of injured or deceased employees.
Dual-capacity suits
Lawsuits filed against the employer that plays multiple roles, such as both employer and landlord or product manufacturer.
Consequential bodily injury
Injuries to nonemployees caused by a workplace-related incident, such as a family caregiver’s health issues stemming from caring for an injured worker.
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