Which statement about Employers Liability coverage is NOT true?

Which statement about Employers Liability coverage is NOT true?

• A. The bodily injury must arise out of employment
• B. The bodily injury must be caused by the employment conditions
• C. The injury must also have to be covered under statutory benefits
• D. The lawsuit for bodily injury may be brought in Canada

Answer: (C)

Employers Liability coverage provides protection for employers against claims made by employees for work-related injuries that are not covered by statutory workers' compensation programs. The correct choice indicates that the injury must also be covered under statutory benefits, which is not true. Employers Liability coverage complements workers' compensation insurance, which covers specific benefits mandated by law. However, Employers Liability coverage is intended for claims that fall outside of what workers' compensation might cover. This can include situations where an employee is injured due to negligence not accounted for in statutory benefits or circumstances that do not meet the strict definitions and situations required to be covered by workers' compensation laws. In essence, Employers Liability is designed to protect the employer when an employee asserts that they were injured due to the employer's negligence, regardless of whether the injury qualifies for statutory benefits. This means that the coverage can apply in cases where statutory benefits don’t apply or don't cover all potential claims, hence making the statement regarding the necessity for coverage under statutory benefits incorrect.

Employers Liability coverage provides protection for employers against claims made by employees for work-related injuries that are not covered by statutory workers' compensation programs.

The correct choice indicates that the injury must also be covered under statutory benefits, which is not true. Employers Liability coverage complements workers' compensation insurance, which covers specific benefits mandated by law. However, Employers Liability coverage is intended for claims that fall outside of what workers' compensation might cover. This can include situations where an employee is injured due to negligence not accounted for in statutory benefits or circumstances that do not meet the strict definitions and situations required to be covered by workers' compensation laws.

In essence, Employers Liability is designed to protect the employer when an employee asserts that they were injured due to the employer's negligence, regardless of whether the injury qualifies for statutory benefits. This means that the coverage can apply in cases where statutory benefits don’t apply or don't cover all potential claims, hence making the statement regarding the necessity for coverage under statutory benefits incorrect.