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

Part Two of Employers Liability coverage is designed to protect the insured from claims made by employees that are not covered by Workers' Compensation. This can include situations where an employee alleges that an injury or illness caused by the workplace was due to the employer's negligence, which is not addressed under standard Workers' Compensation laws. It provides additional liability protection beyond what is typically covered, addressing gaps that may arise when workplace safety standards are not met, or in instances where employees may feel they have been wronged due to the working environment.

In contrast, claims from relatives of employees for emotional distress do not fit the primary focus of Employers Liability, which revolves around employee injury claims and not derivative claims from family members. Similarly, claims for property damage typically fall under different types of coverage such as General Liability, rather than Employers Liability. Lastly, the geographical limitation of claims to only the state of Florida is not a defining characteristic of this coverage, as Employers Liability applies under specific conditions regardless of state boundaries, provided the insured operates in those areas.