What type of workers' compensation coverage applies if an injured employee's spouse brings a wrongful death suit against the employer?

The correct answer is employer’s liability. In the context of workers' compensation coverage, employer's liability insurance is specifically designed to protect employers against claims that go beyond the standard workers' compensation benefits.

When an employee is injured on the job and subsequently dies, their spouse may file a wrongful death claim against the employer. While workers' compensation laws generally prevent an employee from suing their employer for work-related injuries, the scenario changes if a wrongful death claim is brought by a family member. In such cases, employer’s liability coverage comes into play, as it provides financial protection against such legal claims.

State liability and general liability do not directly address the complexities of wrongful death suits arising from workplace injuries. Workers’ comp standard refers to the basic insurance coverage that provides benefits to employees for work-related injuries or illnesses but typically does not extend to wrongful death claims filed by family members against an employer. Thus, employer's liability is indeed the most relevant type of insurance coverage applicable in this situation.