Wooden blocks with words 'EMPLOYER'S LIABILITY'

Employers Liability Exclusion to Cgl Policy

Arnett & Arnett, PC  Oct. 23, 2023

When it comes to the world of business insurance, understanding the fine print is crucial. One such term that often leaves business owners scratching their heads is "Employers Liability Exclusion". In layman's terms, this exclusion is a clause in your insurance policy that exempts the insurer from covering liabilities arising from injuries to your employees. 

Navigating the world of insurance claims can be a daunting task. When you're battling against denied claims or instances of bad faith from your insurance company, it can feel like you're caught in a David versus Goliath situation. This is where Arnett & Arnett, PC steps in. With over 30 years of practice, with a focus in insurance law, we strive to level the playing field. 

Whether you are in Phoenix, Tucson, Flagstaff, or any county statewide, we are committed to serving you. We offer free consultations and our fees are contingent on winning your case. At Arnett & Arnett, PC, we believe in providing detail-oriented guidance to help you navigate the legal process and fight for the coverage you rightfully deserve. Your battle becomes our battle. 

The Essence of Commercial General Liability (CGL) Policy

A Commercial General Liability (CGL) Policy is an essential safety net for businesses. It provides coverage against claims of bodily injury, property damage, and personal injury. However, like any safety net, it does have holes. One such hole is the Employers Liability Exclusion. 

Navigating the Waters of Exclusions

Exclusions in a CGL policy are conditions under which the policy will not provide coverage. The most common mistake businesses make is overlooking these exclusions while selecting a policy, leaving themselves vulnerable to potential financial ruin. 

Among these exclusions, the Employers Liability Exclusion is particularly significant. This exclusion kicks in when an employee suffers a work-related injury or illness. The CGL policy will not cover any legal liability the employer may face as a result of this event. 

Imagine a scenario where an employee gets injured due to inadequate safety measures at your workplace. A lawsuit follows, and suddenly, you find yourself in the middle of a costly legal battle without the cushion of your CGL policy. 

Filling the Coverage Gap

The good news is that there are ways to fill this coverage gap. Workers’ Compensation and Employers Liability Insurance policies are designed to cover such liabilities. These policies can protect your business from the financial impact of employee claims for work-related injuries or illnesses. 

Choosing the right policy, however, isn't always straightforward. Each business is unique, and so are its insurance needs. 

The Role of an Attorney

This is where the knowledge and experience of an attorney comes into play. An effective attorney can help you navigate the complexities of these policies, ensuring you understand every detail before making a decision. They can advise you on the best course of action based on your specific business needs and potential risks. 

Moreover, in the unfortunate event of a lawsuit, an attorney can provide invaluable assistance, guiding you through the legal maze and working towards the best possible outcome. 

We Rise to the Challenge

The Employers Liability Exclusion to CGL Policy is a critical consideration for every business owner. Understanding this exclusion and its implications can mean the difference between the survival or failure of your business in the face of a legal challenge. 

Our legal practice spans a myriad of insurance areas, including health, disability, life, and home insurance claims. At Arnett & Arnett, PC, we have successfully fought against insurance giants on behalf of our clients—and we’re ready to fight for you. 

Choosing the right insurance coverage is not just about protecting your business; it's about securing its future. Take the time to understand your policy, be aware of the exclusions, and seek professional advice when needed. Because when it comes to business insurance, it's always better to be safe than sorry.