Question

An insured's employee is injured in an automobile accident. A claim for injuries is submitted to the General Liability carrier. How should they respond?

(A) The injuries are covered under Med Pay for up to $1,000.00.

(B) There is no coverage as injuries to employees are excluded under the GL. They are covered under the employer's Workers' Compensation policy.

(C) The GL policy would not respond as only property damage is covered by the GL.

(D) The liability section of the GL policy would not pay until after the limits of Med Pay were expended.

Answer 1

Employee injuries from an automobile accident are not covered by General Liability insurance but by Workers' Compensation insurance. The General Liability carrier should deny the claim, indicating that such employee injuries are covered under the employer's Workers' Compensation policy.

Step-by-step explanation:

An insured's employee who is injured in an automobile accident typically would not be covered by the company's General Liability (GL) insurance for their injuries. Instead, the correct response that the General Liability carrier should provide is that there is no coverage for the employee's injuries under the GL policy, as injuries to employees are excluded. These types of employee injuries are generally covered under the employer's Workers' Compensation insurance, which employers are required by law to pay into, providing benefits to workers who suffer an injury on the job.

The claim should be submitted to the Workers' Compensation insurance provider, and not to the General Liability carrier. Therefore, the most appropriate answer among the options provided is (B) There is no coverage as injuries to employees are excluded under the GL. They are covered under the employer's Workers' Compensation policy.