Definition: Employers’ liability is the part of a workers’ compensation policy that covers lawsuits by employees or their families related to workplace injuries outside the comp system.

Why it matters for salons and spas

In monopolistic states such as Ohio, state-fund policies may not include it, so salons add “stop gap” coverage.

Example

A family member sues the salon for loss of consortium after an employee injury.

Related terms

Workers’ Compensation · Monopolistic State (Workers’ Comp)

Learn more: workers’ comp · full glossary · salon insurance questions.

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