Lighting Concepts,Inc.,a trade fixture vendor and installer,wants to insure itself against injuries to employees sustained during the course of their employment.The policy covers claims not covered by workers' compensation insurance.Lighting Concepts should obtain

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Employer's liability insurance is designed to cover claims against the employer for injuries or illnesses sustained on the job that are not covered by workers' compensation insurance. This is the most appropriate insurance for Lighting Concepts to obtain to protect itself against such claims. Key-person insurance is used to cover losses that occur when a crucial member of a company dies or becomes disabled, while fidelity or guaranty insurance protects against losses from employee dishonesty, and malpractice insurance is for professionals who provide advice or services.