Which endorsement is designed to provide voluntary compensation and employers liability?

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

Answer: (C)

Endorsements in a workers’ compensation policy let an employer tailor coverage to specific needs. The idea behind this question is to identify the option that provides benefits voluntarily, even where a state doesn’t require workers’ comp, and to include employers liability protection in the same package. The Voluntary Compensation and Employers Liability endorsement is designed to do exactly that: it delivers voluntary compensation benefits to employees and adds employers liability coverage for the employer’s liability exposure. This combination is used when an employer wants to offer benefits beyond or outside mandatory state laws and still protect against common-law claims.

The other endorsements cover specific federal or maritime programs (Longshore and Harbor Workers, Federal Employers Liability Act for railroads, and the Jones Act for seamen) rather than providing a general voluntary compensation option paired with employers liability.