EL provides coverage for work-related injuries, illnesses or death sustained by employees who are not required to be insured under a worker’s compensation plan.
Meanwhile, Contingent Employers' Liability (CEL) deals with those workers who are required to be insured under a worker’s compensation plan. It is typically regarded as a supplement to Commercial General Liability Insurance (CGL) and provides insurance in the case of work-related injuries, illnesses or death when worker’s compensation does not apply.
For example: An Ontario employee is injured while working in another province for a longer amount of time than the worker’s compensation out-of-province time extension permits.