What is included under Employer's Liability in Workers Compensation?

Employer's Liability is a component of Workers Compensation insurance that provides coverage for legal costs and expenses associated with an employee's work-related injury or illness. When an employee is injured or becomes ill as a result of their job, they may seek compensation beyond what is covered by standard Workers Compensation benefits. This is where employer liability comes into play, particularly regarding death benefits.

The inclusion of unlimited death benefits reflects the potential for significant liability an employer can face if an employee's work-related injury leads to their death. Such benefits may cover not only funeral expenses but also provide a level of compensation to the dependents of the deceased employee, ensuring that they are financially supported in the aftermath of the worker's death due to work-related incidents.

The other choices do not fall under Employer's Liability coverage. Rehabilitation costs, emergency medical expenses, and routine medical check-ups are typically covered under the basic Workers Compensation policy rather than the liability aspect. Those are standard benefits aimed at addressing medical costs and the rehabilitation of injured employees, but they don’t pertain to the liability that arises from situations where an employer may face lawsuits or claims related to their employee's death or long-term disability due to work.