In Maryland's Employers Liability with split limits, the first limit shown represents the maximum the insurer will pay for all claims for which of the following?

• A. Injury by disease
• B. Injury by accident
• C. Medical expenses
• D. Property damage

Answer: (B)

In Maryland Employers Liability with split limits, the coverage is shown as three separate limits that apply to different kinds of employee injuries. The first limit is the maximum the insurer will pay for all bodily injury by accident claims arising from a single incident. So if several employees are injured in one accident, the total paid for those accident-related injuries cannot exceed this amount. The other two limits handle injuries due to disease—one limit per employee and another as an aggregate policy limit for disease claims. Medical expenses and property damage aren’t paid under this part of Employers Liability, since medical costs typically fall under workers’ compensation and property damage isn’t a bodily-injury claim under this coverage.