Workers’ Compensation

If an employee suffers a job related bodily injury, including death or occupational disease, the contractor will be required by state workers’ compensation statutes to make benefit payments to the employee or his family. There is no policy limit for benefits payable under workers’ compensation coverage. The insurance agrees to pay whatever benefits the contractor is required to pay under the state workers’ compensation act, except for punitive damages, fines or penalties in excess of the normal workers’ compensation benefits. The types of benefits available to an injured employee include medical expenses, compensation for lost wages, rehabilitation, permanent physical disability, funeral expenses and survivor death benefits.

Employer’s Liability

Protects the employer from bodily injury, including death, to an employee that arises out of his employment and for some reason is not covered under workers’ compensation law.

Other States

Applies to workers’ compensation claims made under the workers’ compensation laws of the states designated in the policy declarations as being the states where the insured engages in business. It is important to list these states because the injured employee has the right to collect benefits under the law of the state in which he is injured or the state in which he is employed, whichever is greater.

U S L & H

Provides federal benefits for claims made against the Longshore and Harbor Workers Compensation Act for work performed on navigable waterways.

Waiver of Subrogation

An endorsement stating the insurer waives their policy right to subrogate against the person or organization named in the schedule, even if that person or organization is responsible for the loss.