What endorsement would be used to cover employees with rights under the Federal Employers Liability Act?

• A. United States Longshore and Harbor Workers' Compensation Act Endorsement
• B. The Federal Employers Liability Act Coverage endorsement
• C. The Voluntary Compensation and Employers Liability endorsement
• D. The Jones Act endorsement

Answer: (B)

The key idea is that some workers are protected by a federal statute rather than state workers’ comp, so a specific endorsement is added to the policy to cover those claims. The Federal Employers Liability Act Coverage endorsement is designed exactly for that scenario: it extends the workers’ compensation and employers liability policy to cover injuries and liabilities that arise under the Federal Employers Liability Act (FELA), which applies to railroad workers. This allows the policy to respond to FELA-based claims (including defense costs and benefits within the policy limits) instead of relying solely on state WC coverage.

This endorsement is distinct from others that cover different federal acts—such as the Longshore and Harbor Workers’ Compensation Act Endorsement for maritime workers and the Jones Act endorsement for seamen—and from the Voluntary Compensation and Employers Liability endorsement, which serves a different purpose.