The 60-second version
Employer's liability covers common-law claims when employee sues for negligence beyond WC compensation — pairs with mandatory workers compensation policy.
ELI covers lawsuit — WC covers statutory compensation
Workers compensation pays statutory benefits — employer's liability responds if employee sues for negligence damages.
Often bundled as WC+ELI package from insurer.
WC lane: workers comp guide.
Workplace injury stack
| Cover | Trigger | Pays |
|---|---|---|
| WC Act | Work injury | Statutory benefits |
| ELI | Negligence suit | Legal damages |
| GMC | Medical | Hospital bills |
| Group PA | Accident | Lump sum |
ELI setup
Headcount
Employee categories and wages.
WC+ELI bundle
Single insurer package.
Policy bind
Schedule of premises.
Claim protocol
HR + insurer legal panel.
Claim flow
ELI kit
- Wage roll.
- Premises list.
- WC cert.
- ELI policy.
- Claim hotline.
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Contractor injury
Principal employer may need ELI extension for contractor labour — verify policy.
Quick visual
Animated decision map
Community signal
What to watch in real discussions
Search community threads for the exact phrase, then treat repeated complaints as risk signals rather than official advice.
Open nofollow community search ->Interactive checkpoint
Turn this guide into a decision file
0 of 4 checked
WC enough?
WC is statutory minimum — ELI for lawsuit exposure.
With ESIC?
ESIC replaces WC for covered employees — ELI still useful.
Office only?
ELI covers workplace injury claims.
Remote WFH?
Debatable — consult insurer on home injury.
Premium?
Bundled with WC — small add-on.
Public liability?
Different — visitor injury not employee.
The plan is only as good as the sequence.
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