Workers Compensation and Employers Liability Insurance Policy

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Workers Compensation and Employers Liability
Insurance Policy

• 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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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.
• 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 Two - Employers Liability

• A. How This Insurance Applies
• Suit must be originally brought in US,
  territories or possessions or Canada
• C. Exclusions
• Punitive damages for illegal employee
• Damages arising out of coercion, criticism,
  demotion,...

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Part Three - Other States Insurance

• A. How This Insurance Applies
• States must be indicated on information page
• Applies if you are not otherwise insured in
  those states
• Part Five - Premium
• E. Final Premium
• The premiums shown on the Information Page,
  schedules, and endorsements is an estimate. The
  final premium will be determined after this
  policy ends by using the actual, not the
  estimated, premium basis and the proper
  classifications and rates...

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Workers Compensation and Employers Liability
Manual

• Rules
• Explanation of Coverages and Methods of Insuring
• Classifications
• Premium Basis
• Rates and Advisory Loss Costs
• Premium Discount
• Limits of Liability