Your Workers Compensation policy can provide coverage if an employee sues you, but only for precise reasons. The Employers Liability portion of your policy provides coverage, up to the limits you select, if an employee sues due to an on-the-job injury. It will only provide coverage after that employee has taken advantage of the health care costs and lost wages provided by the worker’s compensation policy.
It will not cover you if an employee sues you for harassment, discrimination, wrongful termination, or other claims besides an on-the-job injury. Coverage for claims like harassment, discrimination, or wrongful termination would require an Employment Practices Liability policy- also known as EPLI.
Reach out to your InsureGood Advisor to discuss these concerns and ensure your insurance portfolio includes the coverage you need!