This policy covers both workers’ compensation benefits and employers’ liability. Workers Compensation is a no-fault benefit. That is to say, if an employee is injured on the job, benefits are payable regardless of fault. There are three sections under this policy 1. Death, 2. Permanent Disablement, 3. Temporary Partial Disablement. Benefit amounts are detailed on the schedule of your policy. Employers Liability addresses the potential exposure of an employer becoming leagally liable to an employee for bodily injury and/or property damage.