Workers compensation

Employers Liability Insurance

• Bodily injury by accident - $1,000,000 each accident
• Bodily injury by disease - $1,000,000 policy limit
• Bodily injury by disease - $1,000,000 each employee

4 Common types of Suits/Claims

• Third Party - employer is sued for negligence.
  
• Care and Loss of Services - loss of consortium: services, companionship and affection
  
• Consequential Bodily Injury - family members suffer bodily injury as a consequence of injury to the employee.
  
• Dual Capacity - employers are being sued in a capacity other than as an employer.
  

Dual Capacity means that the employer can wear two hats at the same time. For example, ABC Machinery Corp is a manufacturer of paper cutting machine. John Smith, an employee of ABC, is injured at work. After receiving the Workers Compensation Benefits for his medical expense and loss in wages, John can sue ABC for negligence in designing the machine. In this case, ABC is wearing the manufacturer hat. John's wife can sue ABC based on the fact that after the injury, John is so emotional distressed that he stays away from his spouse. John's wife claim is based the Care and Loss of Services Claim.

Workers Compensation Insurance is not only protecting yours workers well beings, but also your pocket.






Are you looking for a crash course in understanding Worker's Compensation Insurance? ACT Insurance and The Hartford offer this website to help you decide your best option.
Click here for more.

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