Employers liability: Insurance Code §11750.1(f) defines it as insurance covering any liability of employers for injury to or death of employees arising out of and in the course of employment, written in connection with the compensation policy for the same employer. Compensation coverage pays the benefits the law sets, but employees can sometimes sue at law, as Labor Code §3602(b) shows. Employers liability responds to those suits. Injuries to the public are a general liability exposure, not this coverage.

Other states insurance: this section of a compensation policy addresses liability for benefits under a different state's law. California's §11780.5(a) lets SCIF insure a California employer against liability for benefits under another state's law for California employees temporarily working outside California on a specific assignment, if the fund insures the employer's other employees in California. Example: two installers sent to Nevada for one job.

Voluntary compensation endorsement: extends the policy so that benefits matching the state compensation schedule can be paid to workers the law does not require the employer to cover. Employers liability, by contrast, responds to claims of legal liability; it does not pay scheduled benefits.

Twenty-four hour coverage: §1749.02 defines it as the joint issuance of a workers' compensation policy with a disability insurance policy, health care service plan contract, or other medical coverage for nonoccupational injuries and illnesses. The same section says the product shall not include a life insurance policy. The idea is protection on and off the job.