What kind of claims does employer's liability insurance specifically address?

Employer's liability insurance is designed to provide coverage for claims arising from workplace injuries and diseases that are not covered by traditional workers' compensation policies. This type of insurance covers the legal costs and damages that an employer may incur when an employee sues for circumstances related to their injury or illness that fall outside the protections typically offered by workers' compensation.

In many cases, workers' compensation insurance provides benefits to injured employees without the need for litigation. However, there are scenarios where an injured party might seek additional compensation through a lawsuit — for example, if they can prove negligence on the employer's part or if the injury occurred due to a hazardous work environment that wasn't adequately addressed. Thus, employer's liability insurance acts as a safety net for these situations.

This makes option B the most suitable choice, as it specifically addresses claims for workplace diseases and injuries, effectively filling the gaps left by workers' compensation coverage. In contrast, the other options focus on claims that fall outside the scope of employer's liability insurance, such as general liability claims from clients, unemployment claims, or liability claims from third parties. Each of these pertains to different types of insurance coverage and does not directly connect to the employer's liability insurance's primary purpose.