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Workers’ compensation

290005-00

Waivers
Some states permit an uninsured subcontractor, operating as a sole proprietor or partner with no employees, to waive the right to workers’......

290006-00

One risk or two?
I have a New Jersey workers’ compensation risk that is two separate corporations under a common ownership. To be specific, it is a retail......

290027-00

Sole proprietors and partners
Since sole proprietors and partners have the option to elect workers’ compensation coverage, how does it affect them when acting as a......

290029-00

Nonprofits’ Joint Insurance Funds for workers’ compensation
There is a certain religious denomination that has decided that all individual churches in New Jersey will get their workers’ compensation......

290035-00

Definition of employment
A not-for-profit group oriented toward American history maintains a museum for which we have written a workers’ compensation policy in the......

290037-00

Contingent liability for uninsured contractors
A subcontractor’s employee is injured on the job and it is discovered that the subcontractor’s policy is not in force. The general......

290039-00

Calculating payroll—retirees
We insure a business for workers’ compensation. The company has had a profit-sharing plan for more than 30 years. It has an individual who......

290049-00

Rating sole-proprietor contractors
It recently came to our attention that an area competitor has been writing minimum-premium “clerical” workers’ compensation......

290053-00

Two corporations, one risk
We insure two corporations. The same person owns and is an executive officer of both. How should we handle this situation for workers’......

290054-00

Injury reporting deadline
Our client’s workers’ compensation carrier is denying a claim for a hernia because it wasn’t reported within 48 hours. Where......

290056-00

‘Unlimited’ employers’ liability
I am confused about the limits of liability afforded under Part Two (Employers’ Liability Insurance) in the workers’ compensation......

290057-00

Discounts
Is there a maximum discount for workers’ compensation coverage premiums that can be offered to an employer for selecting a managed-care program?...

290059-00

Contested claims
Where does it say that if a workers’ compensation claim is contested, the state’s disability benefits will apply, subject to a lien......

290060-00

Concurrent employment benefits
An employee has two employers (A and B). The employee was injured while working for employer A. Will compensation for that injury include wages......

290082-00

Waivers of subrogation
Are “waiver of subrogation” endorsements permitted in New Jersey on workers’ compensation policies?...

290090-00

Portal-to-portal if paid to travel
We have a carpet installer that is “on the clock” from the time he leaves his house through the last job of the day. There was an......

290097-00

Volunteer firefighters—other duties
We write a workers’ compensation policy for a volunteer fire department. Because they cannot get a reasonably priced service to cut the......

290155-00

Employee vs. independent contractor
All of our producers are incorporated and their corporation has an independent contractor relationship with our agency. We believe these producers......

290186-00

Executive officers workers’ compensation coverage
In New Jersey, can a stockholder of a corporation reject workers’ compensation coverage if only two stockholders own the corporation?...

290286-00

Contractor lending money for purchase of workers’ compensation coverage
A client of ours is a contractor who works with a number of subcontractors. For various reasons, he is strongly encouraging these subcontractors......

290295-00

Workers’ compensation, balance billing
My client, who is currently out on workers’ compensation leave, has recently started to receive bills from his medical provider in excess of......

290300-00

Workers’ compensation—unpaid premium on a previous policy
I understand that you can’t place business in the New Jersey Workers’ Compensation Plan if money is owed to the......

290326-00

Overtime wages on workers’ compensation premiums
How should my client calculate overtime wages when it comes to workers’ compensation premiums?...

900021-00

Stopgap insurance
Could you explain “stopgap” insurance? How is it provided?...

900067-00

Workers’ compensation—Florida domestic employees
We’re not sure where to turn to obtain workers’ compensation for a domestic employee who will be coming into our clients’......

900176-00

Covering workers’ compensation exposures in the Virgin Islands
We need to cover a possible workers’ compensation exposure in St. Thomas, Virgin Islands. Does St. Thomas require workers’......

900177-00

Temporary work in Canada
Our client will be doing well drilling in Ontario, Canada. How do I cover the workers’ compensation exposure?...

900182-00

Audit time frames
According to the company, the wrong rates were used to rate workers’ compensation coverage for a construction business back in 2018-19. In......

900197-00

Florida traveling salesperson
Our insured is opening a Florida sales office. The salesperson will be based in Florida but traveling 50% of the time. Do you know if a Florida......

900230-00

Class change upon audit
Can a carrier add a new class to a workers’ compensation policy upon audit?...

900238-00

Workers’ compensation fines
Can members of a limited liability company or officers of a corporation be held personally responsible for workers’ compensation fines when......

900268-00

Foreign exposures
For clients who have employees traveling outside of the U.S., at what point does coverage cease (i.e., Canada, Mexico, Israel, or England)? Is......

900321-00

Form 154 requirements for out-of-state businesses when operating in Massachusetts
What workers’ compensation insurance requirement applies to a business domiciled in another state, but operating in Massachusetts?...

900438-00

Occupational Safety and Health Administration—COVID-19  
Are COVID-19 illnesses recordable to OSHA?...