01.Core Concepts

Under Part Two, the insurer agrees to pay those sums that the insured is legally liable to pay as damages for worker injuries that are not compensable under Part One, such as: In some states, workers compensation is not required for smaller employers An employee may sue for injury caused by an accident at the job site, but the injury is not considered work related Some states allow spouses to sue for loss of consortium Some employers are confronted with lawsuits because of third-party-over cases