What benefits does the Voluntary Compensation and Employers Liability Coverage Endorsement allow?

The Voluntary Compensation and Employers Liability Coverage Endorsement is specifically designed to provide statutory benefits for employees who may be exempt from mandatory workers' compensation coverage. This endorsement expands coverage to include benefits for those employees whom the state does not require employers to cover under typical workers' compensation laws.

Employers may choose to offer these voluntary benefits to ensure that all their workers, regardless of their classification, receive the protections needed in the event of a work-related injury. This can be especially important for small business owners or in certain industries where exempt classifications might exist. By opting for this endorsement, employers commit to providing a safety net for these exempt employees, thus promoting a healthier work environment and minimizing potential legal liabilities related to workplace injuries.

This focus on statutory benefits for exempt employees distinguishes this endorsement from other options that might imply broader coverages or reduced costs, which are not the primary aim of the Voluntary Compensation and Employers Liability Coverage.