Employer Liability Policies & Worker's Compensation Although decedent-employee's estate had standing as a judgment creditor to sue the tortfeasor-employer's liability insurer for breach of contract to satisfy a wrongful death judgment, the employer liability policy's workers' compensation exclusion precluded coverage because the complaint alleged the employer's negligence caused the employee's death, which as a matter of law left Florida Worker's Compensation Law as the estate's exclusive remedy.
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