Employers buy liability coverage for claims by employees tolimittheir risks and to buy peace of mind. The latest creative legal theory for avoiding workers’ compensation statutes may seem doomed to certain defeat, but the employer‐defendant must still defend itself and must confront a small but non‐zero risk that a new theory or exception might work in the particular case. An insured employer sued by an employee on a novel theory would reasonably expect to be covered by the policy language here. Covered losses include the expensesof defending “groundless” claims under “Employers’ Liability Laws,” which certainly implies that coverage is available even when a statute seems to provide a clear defense for a claim against an employer under a statute or the common law. Yet Safety National’s narrow reading of the undefined term “Employers’ Liability Laws” would leave employers exposed to those risks.