Which endorsement covers both workers' compensation and employer's liability together as a package?

• A. United States Longshore and Harbor Workers Compensation Act endorsement
• B. Federal Employers Liability Act (FELA) Coverage endorsement
• C. Jones Act endorsement
• D. Voluntary Compensation and Employers Liability endorsement

Answer: (D)

The idea being tested is how certain endorsements combine two related coverages into one package. The Voluntary Compensation and Employers Liability endorsement is designed to bundle both workers’ compensation benefits and the employer’s liability coverage into a single form. This means you get the statutory workers’ compensation benefits for employees who are injured on the job, plus coverage for the employer’s liability exposure that can arise outside that statutory framework, all under one endorsement. It’s a convenient and cost-efficient way to ensure both protections are in place together.

The other endorsements are targeted to specific federal statutes or narrowly defined lines of work and don’t provide a general, combined package of workers’ compensation with employers liability. For example, the Longshore and Harbor Workers Act endorsement applies to maritime workers, FELA covers railroad employees, and the Jones Act covers seamen; none of these offer a single, broad package that covers both WC and EL for all employer scenarios.