Insurance Requested by Employer/Job

Employers want to cover themselves in case you mess up and they get sued. Your insurance would pay for the losses.

Typical coverages requested are:

• $1,000,000 CSL or
• $1,000,000/$2,000,000
• Workers Comp

CSL stands for "Combined Single Limit".

In other words, you are covered for a total amount of $1 million, all the claims together. So if you ran over somebodys foot and you ran into a garage and wrecked it the total amount the insurance company will pay is $1 million.

The $1,000,0000/ $2,000,000 is a way of saying that you are covered for $1 million per "occurance" and $2,000,000 "aggregate".

So if you ran over a guys foot and that cost $1.5 million, the next month you ran into a house and that cost $1.5 million, and three months later ran over a hose which flooded the niegbors yard that cost $2 million. You would only be covered for $1 million of the foot and $1 million of the house, none for the flooded yard for a total of $2 million.

Workers comp is a different coverage and is written seperatly.