Employers Liability (WC Part B)
Definition. Workers Compensation has two parts: Part A (statutory medical + indemnity to injured employee, uncapped) and Part B (Employers Liability — lawsuits BY the employee or family).
Also known as: WC Part B, EL
Part B typically has $500K-$1M limits. Covers loss-of-consortium suits by employee's spouse, dual-capacity claims, and other employee-driven litigation outside the statutory WC system. Commercial Umbrella extends Part B (not Part A — which is uncapped by state law).
Example
Employee's spouse sues employer for loss of consortium after work injury, wins $3M. Part B pays first $1M; Umbrella pays remaining $2M.
Sources cited
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Reviewed by California-licensed Property & Casualty insurance agent
Jason Wootton (CA License #0I94454). Not insurance advice, an individual recommendation, or a solicitation in any state. Insurance regulations vary by state. For specific coverage decisions, consult a licensed insurance agent in your state.
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