Workers’ Compensation, Coverage B

What Does Workers’ Compensation, Coverage B Mean?

Workers’ compensation Coverage B, the second part of workers’ compensation insurance, covers employer liability in the event of an employee injury resulting from employer negligence. It pays for damages that exceed the coverage provided by part A, which includes lost wages, medical bills, and other related expenses. Coverage B is also referred to as employers’ liability coverage.

Insuranceopedia Explains Workers’ Compensation, Coverage B

Coverage B covers bodily injury by accident and by disease, up to certain limits. It becomes applicable when an injured employee or their family files a claim that exceeds the amount covered by part A. Depending on the state in which the business operates, an employer may be required to purchase this coverage as an endorsement of their workers’ compensation policy from their general liability provider.