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In the Workers Compensation and Employers Liability Insurance Policy, which Coverage responds when an employee or a third party brings a common-law negligence (non-statutory) tort claim against the employer for a work-related bodily injury?

ACoverage A — Workers Compensation Statutory Benefits
Coverage B — Employers Liability Insurance
CCoverage C — Other States Insurance
DCoverage D — Voluntary Compensation

Why this is the answer

The WC Standard Policy's coverages, often labelled with letters, are: Coverage A pays statutory workers compensation benefits without regard to fault; Coverage B Employers Liability pays for common-law negligence and tort suits not covered by statute (e.g., dual-capacity, third-party-over, consequential bodily injury, loss-of-consortium); Coverage C (Part Three, Other States Insurance) applies to states listed in Item 3.C of the Information Page; voluntary compensation for employees not subject to the statute (sometimes called Coverage D) is added by endorsement. See NCCI WC and Employers Liability Insurance Policy Part Two.

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