Disability Law

Fourth DCA: No Coverage for Workplace Injuries Under General Liability Policy

By David A. McCranie, Esq.

Does an employer's general liability insurance policy provide coverage for on-the-job injuries sustained by its employees? Not when the policy specifically excludes coverage for "any obligation of the insured under a workers' compensation. . . law or any similar law."  The exclusion applies even though the insured may have been "negligent" in failing to obtain a workers' compensation policy to cover its employees.  So said the Fourth District Court of Appeal in Indian Harbor Ins. Co. v. Williams, decided on 1/21/2009. 

Full post as published by Florida Workers’ Compensation Law Blog on January 31, 2009 (boomark / email).