Employee Benefits Program

This includes coverage for the insured employer's liability arising out of errors or omissions in the administration of an employee benefits program.

Employee Benefits Liability covers the cost to employees that results from incorrect information provided regarding their employee benefits.  This does not include fiduciary responsibilities or any discrimination or harassment situations. A simple example is not providing the employee with the appropriate COBRA information following termination that result in the ex-employee losing benefits. Coverage is provided by most carriers on their own filed forms. Coverage is provided either with a separate coverage part or as an endorsement to the Commercial General Liability Policy.  Key comparisons are the types of benefits covered, claims-made vs. occurrence and the employer contribution.