What is the purpose of Part Two within the WC&EL policy?

• A. It addresses special circumstances excluded under CGL
• B. It provides standard workers' compensation benefits
• C. It replaces Part One
• D. It limits coverage to medical expenses only

Answer: (A)

Part Two provides Employers Liability coverage, closing gaps between workers’ compensation benefits and what a general liability policy would exclude. It protects the employer against legal liability to the employee for damages arising from on-the-job injuries or disease that aren’t paid under Part One. In other words, while Part One handles statutory workers’ comp benefits, Part Two covers damages an employee could recover in a common‑law or other liability claim against the employer for those injuries. This is especially relevant for exposures that a standard CGL policy would not cover, so Part Two addresses those special circumstances outside the scope of CGL.