Workers Compensation and Employers Liability

Flashcards covering key concepts from Workers Compensation and Employers Liability lecture outlines.

What is the purpose of workers compensation insurance?

To provide statutory benefits to employees who are injured at work.

What are the two main types of insurance combined in a Workers Compensation Policy?

Workers compensation insurance and Employers Liability Insurance.

What common law doctrine allows an employer to defend against a claim if the employee was aware of risks?

Assumption of risk.

What is contributory negligence?

A doctrine that states if an injured party is found to be even slightly negligent, they cannot recover damages.

What does the exclusive remedy provision of workers compensation law mean?

An employee gives up the right to sue their employer for injuries in exchange for workers compensation benefits.

What are some common exemptions to workers compensation coverage?

Domestic employees, agricultural workers, real estate agents, and casual laborers.

What is meant by Other States Insurance?

Coverage that applies to states listed in item 3.C. where an employer may have unplanned operations.

In what scenario would an employer's liability insurance respond to an injury claim?

When the injury is not covered by workers compensation law.

What type of benefits does workers compensation insurance typically provide?

Medical, disability, rehabilitation, and death benefits.

What is the maximum limit for Bodily Injury by Accident under employers liability insurance?

$100,000 for each accident.

What key document outlines the details of a Workers Compensation and Employers Liability Insurance Policy?

The Information Page.

What is meant by the term 'de facto employer'?

An employer who, based on actual working conditions, may be deemed responsible for providing workers compensation benefits even if not officially recognized as the employer.

What must an employer do if they begin operations in a state listed under item 3.C.?

Notify the insurance company immediately.

What are common law defenses available to employers in workers compensation claims?

Assumption of risk, contributory negligence, and fellow-servant rule.

What does the term 'dual capacity' refer to in the context of employers liability?

When an employer is sued in a capacity beyond that of an employer, such as a manufacturer.