Which endorsement provides voluntary compensation and employers liability coverage?

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

Answer: (B)

Voluntary compensation and employers liability coverage is provided by the Voluntary Compensation and Employers Liability endorsement because it explicitly combines two protections: voluntary compensation, which extends workers’ compensation benefits in situations where state-mandated coverage is not in place or where an employer wants optional coverage, and employers liability, which protects the employer against liability claims related to employee injuries that may not be covered by the standard workers’ compensation program. The other endorsements target specific federal programs for particular industries or workers (such as maritime, seamen, or railroad workers) and do not offer the bundled voluntary compensation plus employers liability coverage described here.