In a policy with split limits for Employers Liability, the first limit refers to Injury by accident. Which option correctly reflects this statement?

In a policy with split limits for Employers Liability, the first limit refers to Injury by accident. Which option correctly reflects this statement?

• A. The first limit applies to property damage.
• B. The second limit applies to injury by accident.
• C. The first limit applies to medical expenses.
• D. The first limit applies to injury by accident.

Answer: (D)

Split limits in Employers Liability separate how much the insurer will pay for two kinds of employee injuries. The first limit is the maximum the insurer will pay for bodily injury to an employee resulting from a single accident. This means that for one accident, the payout to any one employee cannot exceed that per-accident limit, regardless of how many employees are affected. The second limit covers bodily injury by disease (occupational illness), typically with its own per-employee or aggregate cap. This distinction matters because property damage isn’t addressed by these EL limits, and medical expenses for employees are usually handled under workers’ compensation rather than Employers Liability. So, the statement that the first limit applies to injury by accident correctly reflects how split limits are structured.

Split limits in Employers Liability separate how much the insurer will pay for two kinds of employee injuries. The first limit is the maximum the insurer will pay for bodily injury to an employee resulting from a single accident. This means that for one accident, the payout to any one employee cannot exceed that per-accident limit, regardless of how many employees are affected. The second limit covers bodily injury by disease (occupational illness), typically with its own per-employee or aggregate cap. This distinction matters because property damage isn’t addressed by these EL limits, and medical expenses for employees are usually handled under workers’ compensation rather than Employers Liability. So, the statement that the first limit applies to injury by accident correctly reflects how split limits are structured.