Liability Insurance on employees provides coverage over and above worker's compensation insurance in case of injury or death of an employee. True or False?

Liability insurance on employees does indeed provide coverage over and above what worker's compensation insurance offers. While workers' compensation insurance is designed to cover medical expenses and lost wages for employees who are injured or become ill due to their work, it typically protects employers from lawsuits related to those injuries.

Liability insurance fills in the gaps by offering additional protections in cases where workers' compensation may not fully address claims, such as when an employee is injured due to the negligence of a third party, or in situations where an employer's actions go beyond the scope of standard workplace incidents. This additional layer of coverage is essential for protecting both the employees and the employer in various scenarios that could arise in the workplace context.

In summary, the statement that liability insurance on employees provides coverage above and beyond workers' compensation is accurate, highlighting the importance of having multiple layers of protection in place for workplace incidents.