Question

Which of the following would not be covered under Employers' Liability insurance?

A. Injuries caused by an employer's physical abuse of an employee
B. Claims by others for the liabilities of the insured's employees
C. Injuries caused by an employer's negligence
D. Claims by an injured employee's relatives for consequential damages

Answer 1

Employers' Liability insurance does not cover injuries caused by an employer's physical abuse, claims by others for liabilities of the insured's employees, and claims by an injured employee's relatives for consequential damages.

Step-by-step explanation:

Employers' Liability insurance provides coverage for workplace injuries and claims made against the employer for their employees' actions. However, there are certain situations that may not be covered under this insurance.

1. Injuries caused by an employer's physical abuse of an employee: This would not be covered as it involves intentional harm by the employer.
2. Claims by others for the liabilities of the insured's employees: These claims would typically be covered under General Liability insurance rather than Employers' Liability insurance.
3. Claims by an injured employee's relatives for consequential damages: This would generally not be covered as it falls under the category of consequential damages, which are not usually covered under Employers' Liability insurance.

Therefore, the correct answer is D. Claims by an injured employee's relatives for consequential damages would not be covered under Employers' Liability insurance.