what is employers liability insurance 
employers liability insurance is an insurance policy that handles claims from workers who have suffered a job related injury or illness not covered by workers compensation a type of liability insurance it can be packaged with workers compensation to further protect companies against the costs associated with workplace injuries illnesses and deaths however employers liability insurance does not cover legal costs from employee lawsuits charging discrimination sexual harassment or wrongful termination to cover these situations an employer would need to purchase a separate type of policy called employment practices liability insurance epli 