The Workers’ Compensation and Employers’ Liability Policy is an insurance policy that provides coverage for two of the employer’s main risks arising from injuries sustained by workers. The first part of the policy covers the employer’s statutory obligations under the workers’ compensation laws, and the second part of the policy covers liability arising from work-related injuries not covered by the workers’ compensation law. Most states require a standard worker’s compensation and employers’ liability policy form published by the National Council for Compensation Insurance (NCCI).