Workers’ compensation is the exclusive remedy for on the job injuries to employees; don’t bet on it.
Since 1935, employers who have insured against workers’ compensation claims by employees have enjoyed being immune from tort actions. Nevertheless, the workers’ compensation and employer liability insurance policy has coverage under Part II for lawsuits by employees against employers for on-the-job injuries. Part I, workers’ compensation coverage has no dollar limits. Part II does. Part II covers those situations where the employee is able to avoid the ‘exclusive remedy.’
