What is 'employers liability' coverage (Part Two) of a workers compensation policy?

Part Two of a standard workers comp policy provides Employers Liability coverage — protecting the employer against work-related injury claims that are not subject to the workers comp exclusive remedy. Examples: (1) Third-party-over actions: an injured employee sues a third party (a product manufacturer, for instance), and the third party then sues the employer for indemnity; (2) Consortium claims: a spouse or family member sues the employer for loss of companionship resulting from the employee's injury; (3) Dual capacity: the employer is sued in a different role (e.g., as manufacturer of equipment the employee was using); (4) Care and loss of services claims by injured workers' families. Standard limits are typically $100,000/$500,000/$100,000 (per accident, disease aggregate, disease per employee). Higher limits are recommended for many businesses, especially those with significant operations or assets to protect.