Which type of coverage protects a company if an injured worker claims the injury was caused by the employer's negligence?

Prepare for the Rhode Island Workers Compensation Adjusters Test. Utilize flashcards and multiple-choice questions, each equipped with hints and explanations. Successfully ready yourself for your exam!

This question hinges on how coverage responds when an employee sues the employer for negligence related to a work injury. Employer’s Liability Coverage protects the employer in those situations, handling lawsuits claiming the injury was caused by the employer’s negligence and covering defense costs plus any judgments or settlements up to the policy limits. It complements workers’ compensation, which provides medical and wage benefits as the employee’s exclusive remedy and typically doesn’t cover civil negligence claims by an employee. General liability covers third-party or non-employee injuries, not employee negligence suits; professional liability covers errors in professional services. So the coverage that fits a negligence-based employee claim against the employer is Employer’s Liability Coverage.