Which kind of injury does employer's liability NOT cover?

Employer’s liability insurance is designed to provide coverage to employers in the event that an employee makes a claim for a work-related injury or illness that is not covered by workers' compensation. This insurance typically covers injuries sustained during the course of employment and may also cover situations where an injury is caused by the employer's negligence, potentially including instances where an employee was acting within the scope of their duties at work.

However, injuries related to a criminal act are not covered by employer's liability insurance. This is because such injuries arise out of illegal activities, which fall outside the purview of employer responsibilities and liability. If an employee is injured while committing a criminal act, the employer is not liable for those injuries as they do not occur in the context of legitimate work activities or duties. Thus, injury resulting from criminal acts is specifically excluded from coverage.

In contrast, injuries sustained during work activities and injuries stemming from an employee's own negligence may still potentially fall under the scope of employer’s liability, depending on the circumstances surrounding the incident and the specific laws governing employer liability in the jurisdiction.