Coverage B', also known as Employers' Liability Insurance, is an essential part of your Workers' Compensation policy. While Coverage A provides statutory benefits to injured employees, Coverage B protects your business from lawsuits related to employment injuries or diseases that aren't covered under Coverage A. This includes legal defense costs, settlements, or judgments for things like employee injury claims due to employer negligence.

Imagine an employee of your window installation business developing a long-term respiratory problem due to exposure to hazardous materials at work. They decide to sue for damages not covered under regular Workers' Compensation. Coverage B steps in here, covering legal fees and any court-ordered compensation, shielding your business from substantial financial loss.

The Role of Workers Compensation Coverage B in your business includes:

• Providing added protection against legal actions from employees for work-related injuries or illnesses.
• Covering costs that go beyond the medical expenses and wage replacement typically covered by Workers' Compensation.
• Ensuring your business can effectively manage potential risks and liabilities arising from workplace incidents.