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