What coverage would apply if an employee is injured while operating machinery known to need repair and the spouse sues for loss of consortium?

In this scenario, the situation revolves around an employee who is injured while operating machinery that was known to require repair. The spouse's lawsuit for loss of consortium highlights a claim for damages due to the effects of the injury on the marital relationship. In such cases, Employers Liability Coverage comes into play.

Employers Liability Coverage is specifically designed to protect employers from lawsuits filed by employees or their families for negligence claims that arise out of work-related injuries. This coverage could extend to situations where the spouse is claiming loss of consortium due to the employee's injury caused while operating faulty machinery.

Workers’ Compensation Coverage would provide benefits to the injured employee for medical expenses and lost wages, but it does not cover claims for pain and suffering or loss of consortium related to the injury. Medical Coverage would address the employee's medical treatment, and Personal Injury Coverage generally refers to non-work-related injuries or specific liability claims outside the workers' compensation system.

Thus, Employers Liability Coverage is the most relevant type of coverage in this context, as it would address the legal liability the employer may face due to the spouse's claim.