What would not be covered by employers' liability coverage?

Employers' liability coverage is designed to protect employers from claims that fall outside the statutory workers' compensation system. It generally covers claims for actions that are not explicitly covered by workers' compensation laws. Statutory Workers' Compensation Benefits, on the other hand, refer to the benefits that are required by law, providing compensation for medical expenses, lost wages, and other related costs associated with work-related injuries or illnesses.

Since these benefits are mandated by statutes, they are distinct from the discretionary protections offered through employers' liability coverage. This is why statutory workers' compensation benefits would not be covered under employers' liability insurance; they are provided directly through state workers' compensation systems.

In contrast, medical expenses, lost wages due to injury, and burial costs in case of death can all be covered by employers' liability insurance under specific circumstances, especially in cases of negligence claims or situations where statutory benefits do not apply.