Liability to employees and workers compensation liability are critically important parts for your company. These liabilities are defined as “coverage for an employer's two key exposures arising out of injuries sustained by employees.” This section of insurance coverage is commonly divided into two parts. The first part encompasses the employer's responsibilities under workers compensation laws, while the second part of the coverage handles the liability that results from employees' work-related injuries that do not fall under the workers compensation requirements. Past claims that PYB has experienced play a large factor in the rating for the worker’s compensation through the calculation of PYB’s experience modification rate. This rate compares
