Insurance Coverage for Various Risks or Hazards Facing Companies

Risk or Hazard Applicable Insurance Policy
Medical care and loss of income due to death or injury to worker working in the course and scope of his employment Workers Compensation Insurance
Lawsuit brought by injured employee or dependent Most Workers Compensation acts eliminate the employee’s right to sue his or her employer within the scope of the workers compensation statute.
Lawsuit brought by person for bodily injury or property damage Commercial General Liability Insurance
Lawsuit brought by a contractor arising out of a lawsuit by a third party where insured signed an indemnity provision Commercial General Liability Insurance includes coverage for certain liabilities assumed under contract.
Bodily injury to a business visitor to company facility Commercial General Liability Insurance
Lawsuit brought by injured person where damages asserted exceed the limits of the insured’s Commercial General Liability Insurance policy Excess Insurance covers claims in excess of the limits of the Commercial General Liability Insurance policy up to the limits of the Excess Liability Insurance policy.
Lawsuit to recover damages for bodily injury or damages to property of others arising out of the use of an automobile owned by the defendant Commercial Automobile Liability Insurance.
Sexual harassment, racial discrimination or claim arising under the Americans with Disabilities Act Employment Practices Liability Insurance