For what reasons does Part Two Employers Liability defend the insured?

Part Two of Employers Liability Insurance is specifically designed to address situations where an employer may be held liable for claims made by employees that fall outside the scope of Workers’ Compensation coverage. This includes instances where an employee has suffered a work-related injury or illness but is not compensated under the Workers' Compensation system due to various reasons, such as the injury occurring in a state or under conditions not covered by the Workers’ Compensation policy.

This coverage can also apply in scenarios where employees might sue their employers directly for negligence, typically in cases where the Workers' Compensation system doesn't provide an avenue for recovery, such as in cases of intentional harm or violations of safety regulations.

Thus, the rationale for choosing this answer centers on the essence of Employers Liability Insurance, which fills the gap left by Workers' Compensation and protects employers from legal actions taken by employees who are entitled to seek damages outside that system.