Which of the following is a type of employer liability claim?

• A. Third party claims or third party action over claims
• B. Employee vacation benefits claims
• C. Workplace harassment claims
• D. Insurance premium adjustment claims

Answer: (A)

The key idea is that employer liability coverage protects the employer from legal damages arising from injuries to employees that aren’t paid as workers’ compensation benefits. This includes situations where a worker sues the employer in a tort sense, or where a third party sues the employer (an action over) to recover damages related to the employee’s injury. That combination—claims brought against the employer by the employee or by a third party asserting the employer’s liability for the injury—constitutes an employer liability claim.

The other options don’t fit because they involve different kinds of issues: vacation benefits are wage/benefits matters, not tort-based liability; workplace harassment would fall under employment practices liability rather than employer liability; and premium adjustment claims relate to premium auditing, not the employer’s legal liability for injuries.