Final answer:
Employers liability insurance is needed in addition to workers' compensation insurance to protect employers against certain risks. It provides coverage for legal liabilities, non-employee injuries, and property damage. Exempt employments, medical bill payments, and illegal employments are all valid reasons for needing employers liability insurance.
Step-by-step explanation:
Employers liability insurance is needed in addition to workers' compensation insurance for several reasons. It helps protect employers against certain risks that are not covered by workers' compensation insurance. For example, it covers employers from legal liabilities arising from employee lawsuits related to workplace injuries. Additionally, employers liability insurance can provide coverage for non-employee injuries or property damage, which may not be covered by workers' compensation insurance.