A contractor drops a 2x4 on their leg injuring their knee

All states have some form of this benefit

A provision of adjustment recognizing the pros and cons of an insured's loss history and risk

WC is considered a no-fault coverage and is based on this doctrine

Item 1 and 3A

An employee claims his/her role causes him/her much anxiety and limits their ability to work. A stress claim has been submitted.

Name the key benefits under WC policy

Salary, wages, commissions, bonuses, non-cash compensation, vacation pay, and sick leave pay

Injuries not covered by WC, Third Party Over, Dual Capacity, Loss of Consortium or Consequential BI Claims

3.C. CYA

The injured person point of view is what matters here

A benefit not subject to a limit or time period

Number of years of payroll & loss information included in an ex-mod calculation

Employers Liability is based on the legal premise

IBNR

An insured's employees who work on a boat or within 50 feet of the water are excluded because of this

Subject to schedule, weekly vs lump sum, temporary vs permanent, and partial vs total

This does not apply when a state has it's own Unit Statistical Plan

Three key employer defenses for EL claims

Physical rehabilitation costs, testing fees for vocational rehabilitation purposes, legal court expenses

Not included under an unendorsed policy

EL Limits of Liability

First valuation of claims for inclusion in the ex-mod calculation

Your employee is injured and sues the property management firm for your building. The Property Management company sues you in term alleging you failed to up keep the premise per your lease agreement.

Key ways to reserve a claim