Workers’ compensation insurance includes employer’s liability coverage. That means it protects the business if an employee sues for certain reasons outside of workers' compensation claims. For example, what’s called employer's liability may apply if a non-employee is injured indirectly by a workers' compensation claim, such as a spouse who is taking care of a temporarily disabled worker and is injured in the process, or if a spouse sues for loss of consortium. However, this isn’t blanket coverage for any type of lawsuit. It’s important to talk with your workers’ comp insurer about the parameters of the protection offered.