What type of insurance can cover an employer’s negligence in failing to provide promised employee benefits?

The type of insurance that covers an employer's negligence in failing to provide promised employee benefits is Employee Benefits Liability. This coverage specifically addresses claims arising from errors or omissions in the administration of employee benefit plans, such as health insurance, retirement plans, and other benefits that the employer has promised to provide.

Employee Benefits Liability is particularly important because it protects employers from legal action that may arise if they fail to properly manage or deliver these benefits as agreed. This can include situations where an employee is denied coverage due to administrative mistakes or a failure to enroll them in a promised benefits program.

In contrast, Workers' Compensation Insurance focuses on providing benefits to employees who suffer job-related injuries or illnesses, rather than addressing the handling of employee benefit promises. General Liability Insurance is designed to cover incidents of bodily injury or property damage to third parties, and Employment Practices Liability covers claims related to employment practices, such as harassment or discrimination, rather than specific employee benefits. Each of these other types of coverage has its own scope and purpose, making Employee Benefits Liability the best choice for addressing negligence in providing promised employee benefits.