Employers’ Liability Insurance

Even the most safety-conscious companies can be left vulnerable when workplace incidents occur—and safety measures and workers’ compensation aren’t bulletproof protection. Many Ontario business owners discover too late that standard workers’ compensation leaves significant gaps in coverage that could expose their company to substantial financial and legal risks. 

Employment liability insurance from KASE adds an extra layer of protection to ensure your company is well-protected against costly lawsuits and settlements. Whether you’re supplementing existing Workplace Safety and Insurance Board (WSIB) coverage or building your primary defence against employee injury claims, our expert brokers are here to guide you toward custom policies that will prepare you for anything that may come your way.

What is Employers’ Liability Insurance?

Employers’ liability insurance protects your business from the financial fallout of work-related injuries, illnesses, or deaths not covered by standard workers’ compensation. As a type of liability insurance, it covers legal fees, medical expenses, lost wages, settlements, and court judgments when an employee claims your company’s actions (or lack of action) led to their injury.

Having employer liability insurance from KASE on top of the provincial workers’ compensation fund provides comprehensive protection for your business against the full spectrum of workplace injury risks. It covers you when injured workers file lawsuits, family members file claims for emotional distress, or your business faces allegations of gross negligence. 

With contingent employers’ liability insurance, you’re also protected for claims involving contractors, temporary workers, and other non-traditional employment relationships. 

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Why Do You Need Employer Liability Insurance?

When safety plans meet real-life mishaps, the last thing you want is a blind spot in your protection. Employers’ liability insurance keeps your business covered from every angle.

Get complete protection

Workers’ compensation insurance only covers so much. Employer liability insurance picks up the slack, covering the gaps and protecting you from the costs of legal claims, negligence allegations or third-party lawsuits.

Mitigate financial loss

Even unfounded claims require a robust defence, with legal costs that can quickly escalate into six figures regardless of fault—expenses that a comprehensive employment liabilities insurance handles.

Maintain business continuity

An accident doesn’t have to derail your bottom line or business operations. Proper employers’ liability coverage ensures you can continue operations through litigation.

Meet contract requirements

Many business contracts and partnerships explicitly require employers’ liability insurance. This is especially crucial for companies seeking to work with larger organizations or government entities.

What Does Employment Liabilities Insurance Cover?

Employers liability insurance covers the cost associated with legal claims and settlements for incidents such as:

• Workplace Injuries: Work-related injuries are entitled to compensation for medical expenses, lost wages, and other damages. KASE’s employers liability insurance helps cover these costs when standard workers’ compensation doesn’t apply.
  
• Occupational Illnesses: The best employer’s liability insurance policy extends to illnesses arising from exposure to harmful substances or unsafe environments at work—protecting your business even long after the dust has settled.
  
• Third-party Claims: Sometimes, an injured worker sues someone (like a contractor or vendor), who then comes after your business. Your employers liability insurance policy protects you from such indirect claims.
• Negligence Claims: Did an employee say your unsafe conditions or poor training caused their injury? KASE Insurance has your back when these claims emerge.
• Dual-capacity Lawsuits: When employees sue you wearing two hats—as both their employer and perhaps as a product manufacturer—your employers liability coverage will be there to defend your business and cover associated costs.
• Consequential Bodily Injury Lawsuits: Your business may also be held liable if an employee’s injury leads to additional harm (e.g., a family member is injured while caring for them). We’ll help you cover the costs of defending against these claims and any resulting settlements.
• Loss of Consortium Lawsuits: If a family member sues for the loss of companionship or support due to an employee’s injury or death, KASE Insurance can help cover legal costs and payouts.

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Types of Insurance Employers Should Have

Your business faces risks every day. Let’s make sure you’re not facing them alone. At KASE Insurance, we help employers like you build a solid safety net for every possible scenario with these must-have policies outlined below.

Commercial General Liability Insurance

Commercial general liability insurance is the first line of defence against third-party claims that arise during normal business operations, protecting your company when accidents happen.

Directors and Officers (D&O) Insurance

Protects business leaders from personal liability if sued for decisions made while managing the company, which is essential for startups, non-profits, and corporations with boards or executive teams.

Employment Practices Liability Insurance (EPLI)

Employees alleging discrimination, harassment, retaliation, and wrongful termination can threaten your company’s financial stability and reputation. Our insurance experts can help you find the right coverage to protect your business from these potentially devastating claims.

Business Interruption Insurance

Keep your business financially stable during unexpected shutdowns with business insurance from KASE. It covers lost income, ongoing expenses, and additional costs required to restore operations.

Key Person Insurance

If your star executive or technical point person suddenly becomes unavailable, this policy injects immediate capital to recruit replacements and prevent client and revenue losses.

Commercial Property Insurance

Commercial property insurance from KASE Insurance helps rebuild, replace, and restore your physical assets—often within days, rather than the months self-funding would require. 

Group Health Insurance

Employee benefits programs provide employees with coverage for medical, dental, and vision care. It’s a key benefit for attracting talent and supporting workplace wellness, often included in employer insurance packages.

Who Needs Employer Liability Insurance?

If your business has employees, you need employer liability insurance. Whether you have workers’ compensation coverage from WSIB or not, it’s wise to get extra protection, especially for industries like the following:

Why Choose KASE Insurance for Employers’ Liability Insurance

When you protect your people, you protect your profits. Comprehensive employers’ liability insurance protects your business against costly lawsuits, gaps in workers’ compensation, and unexpected claims. 

At KASE Insurance, we secure your business with personalized coverage tailored to your industry’s risks. Our hands-on approach, expert advice, and commitment to finding the right policy ensure your business is protected from all angles.

Our experienced insurance brokers work closely with you to keep your coverage strong and your bottom line intact. Get started with an employers liability insurance quote today!

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