What aspect of liability coverage protects the insured against allegations of negligence in work-related activities?

Employers liability coverage is designed specifically to protect employers against claims made by employees for work-related injuries or illnesses that are not covered by workers' compensation. This type of coverage addresses allegations of negligence in connection with the employer's actions or inactions that may have contributed to the employee's injuries. It typically covers legal costs and any settlements or judgments related to these claims, thus providing a critical layer of protection for businesses against potential financial losses stemming from such allegations.

In contrast, general liability coverage generally covers third-party claims for bodily injury or property damage but does not specifically address issues related to employee injuries. Excess liability coverage serves as an additional layer of protection beyond the limits of primary liability policies, but it does not focus specifically on work-related claims. Property damage coverage pertains exclusively to damage to physical property and does not encompass negligence claims related to employee injuries or workplace activities.