In a scenario with multiple employees filing suits for the same cause, the Employers Liability policy provides up to how much aggregate coverage?

In a scenario with multiple employees filing suits for the same cause, the Employers Liability policy provides up to how much aggregate coverage?

• A. $100,000
• B. $500,000
• C. $750,000
• D. $1,000,000

Answer: (B)

Aggregate limits cap the total amount the insurer will pay for all EL claims that arise from the same cause during the policy period. In this context, the Employers Liability portion is set with a $500,000 aggregate limit. That means if multiple employees sue over the same incident, their combined claims cannot exceed $500,000 for that policy period. If more claims are filed after the limit is reached, additional EL losses aren’t covered under that period’s EL coverage. The other listed amounts aren’t the standard aggregate for this coverage, so $500,000 is the correct choice.

Aggregate limits cap the total amount the insurer will pay for all EL claims that arise from the same cause during the policy period. In this context, the Employers Liability portion is set with a $500,000 aggregate limit. That means if multiple employees sue over the same incident, their combined claims cannot exceed $500,000 for that policy period. If more claims are filed after the limit is reached, additional EL losses aren’t covered under that period’s EL coverage. The other listed amounts aren’t the standard aggregate for this coverage, so $500,000 is the correct choice.