Workers Compensation and Employers Liability Insurance Policy

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Workers Compensation and Employers Liability
Insurance Policy

• Information Page
• General Section
• Part One - Workers Compensation Insurance
• Part Two - Employers Liability Insurance
• Part Three - Other States Insurance
• Part Four - Your Duties if Injury Occurs
• Part Five - Premium
• Part Six - Conditions

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Information Page

• 1 Describes insured
• 2 Shows coverage period
• 3 Summarizes coverages
• 4 Premium estimate
• Classification, estimated payroll, rate

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General Section

• The Policy
• Who is Insured
• Workers Compensation Law
• State
• Locations

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Part One - Workers Compensation

• A. How This Insurance Applies
• Bodily injury by accident must occur during the
  policy period
• Bodily injury by disease must be caused or
  aggravated by conditions of your employment. The
  employees last day of exposure to the conditions
  causing or aggravating such bodily injury must
  occur during the policy period.
• We Will Pay
• Benefits required by law
• We Will Defend
• We Will Also Pay
• Insureds expenses
• Bonds and interest on judgments

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Part One - continued

• Payments You Must Make
• Payments in excess of regular benefits required
  because
• Serious or willful misconduct
• Hiring an employee in violation of law
• Failure to comply with safety regulations
• Discharge, coerce or discriminate against
  employee
• H. Statutory Provisions
• Your default or the bankruptcy or insolvency of
  you or your estate will not relieve us of our
  duties under this insurance after an injury
  occurs.

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Part 2 -Employer Liability Insurance

• Need for coverage
• Third-party-over suits
• Care and loss of services
• Consequential bodily injury
• Dual capacity
• Exclusions
• Outside the US or Canada
• Liability assumed under contract
• Punitive damages for illegally employed person
• Bodily injury intentionally caused by insured
• Damages from employment practices

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WC and Employers Liability Policy

• Part 3 - Other States Insurance
• Part 4 - Duties If Injury Occurs
• Part 5 - Premium
• Recordkeeping requirements
• Adjusted premiums
• Part 6 - Conditions
• Inspection
• Assignment
• Cancellation