Which of the following are true regarding the Voluntary Compensation and Employers
Liability endorsement to the Workers Compensation and Employers Liability (WC &
EL) insurance policy?

I. It extends workers compensation coverage for types of employment
typically exempt from statutorily mandated coverage.

II. It allows the employer to have the insurer pay benefits in excess of those
required by statute in cases of severe work-related injuries.

III. It extends coverage to employees who are residents or citizens of the
United States or Canada but temporarily outside those countries for
business purposes.