Employee Injuries: Which liabilities are excluded?

• A. Liabilities under a workers' compensation or similar law or arising from injuries to employees
• B. Liabilities arising from injuries to independent contractors
• C. Liabilities arising from advertising injury
• D. Liabilities for damage to property

Answer: (A)

The main concept is that a standard liability policy does not cover injuries that fall under workers’ compensation. Workers’ compensation or similar laws provide the exclusive remedy for employee injuries, so claims by employees for bodily injury are excluded from general liability coverage. That’s why this liability category is excluded: it covers injuries to employees and the statutory workers’ comp system handles those benefits, not the general liability policy.

Other options describe claims that aren’t this exclusion. Injuries to independent contractors aren’t the same as employee injuries, so they aren’t automatically excluded by this rule. Advertising injury and property damage are separate coverage areas under a general liability policy and are not excluded simply because they don’t involve employees.