Employer’s Liability In Monopolistic States
Your requirements for holding workers compensation for your auto glass shop will depend upon the state in which you work. Some states require that you purchase this coverage from the state fund. This is called a monopolistic state and if your state is one, you may need to purchase employer’s liability as extra coverage in the event that an employee sues you or your auto glass business.
Many auto glass shop workers compensation insurance policies will include coverage for legal expenses. When one of your employees is injured or becomes ill on the job, you may need the assistance of an attorney to help you settle claims and defend yourself and your business if sued. This type of coverage pays for the cost of the attorney and any damages you are required to pay.
If an employee of your auto glass shop is injured while working and believes it was the fault of a third party, that is someone other than you or your business, they may choose to sue that third party. For instance, when an employee is using equipment to repair glass in a customer’s car and has an accident. That accident may be related to the equipment. If the equipment was faulty, your employee may want to sue the manufacturer. The manufacturer is a third party that may in turn sue your business if they believe the liability lies with you. The employer’s liability portion of your workers compensation for auto glass shops covers you in this event.
Employer’s liability within your auto glass shop worker compensation covers you in the event of other types of third party suits as well. This may include injury to a child or spouse, wrongful death, or damages for loss of services. However, it is very difficult to find an employer liable, as workers compensation is a no-fault type of insurance.