Part Two—Employers Liability Insurance covers manufacturers' claims against the insured known as which type?

• A. Claims for care and loss of service.
• B. Third-party-over claims.
• C. Dual-capacity claims.
• D. Claims for consequential bodily injury.

Answer: (B)

In Employers Liability Insurance, one area of coverage addresses claims by third parties who are not the employee. This includes third-party-over claims, where a third party such as a manufacturer looks to recover damages from the insured. The idea is that the insured employer can be sued by someone else involved in the injury scenario (for example, a manufacturer associated with the product or process that caused the injury) and may also have to defend against or indemnify that party’s claim. This type of claim is distinct from care and loss of services (claims by the employee’s family for loss of the employee’s companionship), dual-capacity (the employee suing in two capacities, such as in their personal capacity and as a product manufacturer), or consequential bodily injury (bodily injury to someone other than the employee caused by the employee’s injury). Therefore, manufacturers’ claims against the insured fall under third-party-over claims.