What does Item 3.B. of the WC information page illustrate?

• A. Example coverage limits for Employers Liability Insurance: per accident, per disease policy limit, and per employee
• B. Endorsements and schedules
• C. Other States Insurance
• D. Name insured

Answer: (A)

Item 3.B. on the workers’ compensation information page is showing how Employers Liability Insurance limits are presented. Employers liability covers damages to employees related to acts not paid under the basic workers’ compensation benefits, so the page uses three separate numbers to reflect different exposure scenarios. The first limit sets the maximum payable for bodily injury by accident to a single employee. The second is the policy-wide limit for bodily injury by disease, reflecting the aggregate exposure across all employees. The third limit caps the amount payable for bodily injury by disease to any one employee. This presentation helps you see how risk is capped in different situations.

Other options describe features that aren’t about the limit structure: endorsements and schedules are modifications to coverage, other states insurance relates to multi-state coverage, and the name insured identifies who is covered.