In Employers Liability endorsements, what is the difference between contractual liability and tort liability?

• A. EL covers tort-based employer liability; contractual liability exposures may require endorsement to be covered.
• B. EL typically covers tort-based employer liability; contractual liability exposures may require endorsement to be covered.
• C. EL covers neither liability type.
• D. EL covers both automatically without endorsements.

Answer: (B)