Legal Definitions - employee-liability exclusion

The employee-liability exclusion is a provision in some commercial general liability insurance policies that excludes coverage for injury to an employee (or a member of the employee's family) that occurs during the course of employment with the insured. This exclusion is generally intended to exclude from coverage all injuries covered by the workers'-compensation laws.

For example, if an employee is injured while performing their job duties, they would not be able to file a claim against the employer's liability insurance policy because the injury would be covered by workers' compensation insurance instead.

Another example would be if an employee's family member is injured while visiting the workplace, they would not be able to file a claim against the employer's liability insurance policy because the injury would be considered an employee liability and excluded from coverage.

The purpose of this exclusion is to prevent double coverage for employee injuries and to ensure that workers' compensation insurance is the primary coverage for such injuries.