Pa. Divide Over Employer Liability Exclusion May Be Ending

Law360, New York (March 26, 2014, 8:41 PM EDT) -- At first glance, the employer’s liability exclusion in a commercial insurance policy appears straightforward — the policy does not allow for coverage of bodily injury claims made against an insured employer by an employee. By including this exclusion in business owners’ policies, policy drafters recognized that general liability coverage is unnecessary for an employer whose employee is injured on the job because the workers’ compensation system compensates the injured worker.

In Pennsylvania, the exclusion’s application is complicated when a liability policy covers multiple insureds and the...
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