Which endorsement would cover injuries of employees under federal law for a railroad company?

• 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: (B)

This item tests how injuries to railroad employees are covered under federal law. Railroad workers fall under the Federal Employers Liability Act (FELA), which provides a federal framework for liability and suits when an employer’s negligence causes injury. To reflect this in an insurance program, the FELA Coverage endorsement is used. It extends the policy to cover claims arising under FELA, including defense costs and any settlements or judgments up to the policy limits.

The other endorsements don’t apply to railroad injuries under federal law. A United States Longshore and Harbor Workers Compensation Act endorsement covers maritime workers, not railroad employees. A Jones Act endorsement is for seamen on ships. A Voluntary Compensation and Employers Liability endorsement is an optional alternative to standard state workers’ compensation but does not specifically address federal-law coverage for railroad workers.