What does employer's liability insurance primarily protect against?

Employer's liability insurance is designed to protect employers against claims that arise from situations not covered under workers' compensation laws. While workers' compensation provides benefits for employees who are injured on the job, it often does not cover certain scenarios where an employee may sue their employer for additional damages, such as cases involving negligence or intentional harm.

This type of insurance typically covers legal defense costs and any court awards that an employer might have to pay when an employee sues for damages related to their injury or illness that falls outside of the statutory workers' comp protections. Understanding this is crucial, as it highlights the gaps in workers' compensation coverage and underscores the importance of having employer's liability insurance for comprehensive coverage against potential lawsuits.

The other options represent areas that are generally not the focus of employer's liability insurance. For instance, public liability pertains more to general liability claims against a business rather than employee-related issues, workplace safety violations often fall under various regulatory frameworks rather than being a direct concern of employer's liability insurance, and employee misconduct would likely be addressed through different means, such as general liability or specific employee error coverage.