Q: Hello and thank-you for this service... I have a question about employment law... Does employer's liability insurance.
Hello and thank-you for this service... I have a question about employment law... Does employer's liability insurance cover injuries or incidents that might occur when employee's arrive at work before or after their scheduled work hours? I'm asking because there's a few employee's at my job that arrive too early and stay too late, at times.
A: This is something you may want to sit down and discuss with your insurance broker. In terms of employer's coverage, if you mean insurance for workplace accidents, that would be your workers' comp policy. That covers injuries arising in the course of employment. You may also have a policy for general liability or premises for accidents involving the building, its systems, and surrounding sidewalks. No one here could meaningfully advise on the scope of coverage you have, since insurance policies can be specific about the risks they cover or exclude. The best way to be certain about this would be to review your policy(s) with your broker or agent - you need more than a general legal response, and the insurance carriers issuing the policy(s) would be in the best position to advise definitively. Good luck
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