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Workers’ compensation
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 there a solution? Some companies will not provide international coverage. Would I find this answer in the workers’ compensation manual or actual state law?
Stopgap insurance
Could you explain “stopgap” insurance? How is it provided?
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’ Florida home to care for the husband. Their homeowners carrier says we have to go through the Florida state plan. The state plan says it will provide coverage only if there are four or more employees. What should we do?
Bogus workers' compensation plans
One of my commercial insureds has entered into an unconventional arrangement that purports to provide workers' compensation insurance. Its rates are much lower than the insured's classification would warrant. Is this legal?
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’ compensation and how can I provide it?
Temporary work in Canada
Our client will be doing well drilling in Ontario, Canada. How do I cover the workers’ compensation exposure?
Audit time frames
According to the company, the wrong rates were used to rate workers’ compensation coverage for a construction business back in 2018-2019. In 2021, after a third audit, the company discovered the rate discrepancy. They are just now suing the business for the difference. Can they do this?
Employee vs. independent contractor—statutory definition
What are the conditions that must exist before the presumption that a worker is an employee can be overcome?
Unsafe workplace
Can an employee sue an employer for an unsafe workplace?
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 Joint Underwriting Association Workers’ Compensation Policy would cover the salesperson while traveling?
Class change upon audit
Can a carrier add a new class to a workers’ compensation policy upon audit?
Workers’ compensation fines
Can members of a limited liability company or officers of a corporation be held personally responsible for workers’ compensation fines when the employer has failed to comply with the insurance requirements?
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?
Occupational Safety and Health Administration—COVID-19 Â
Are COVID-19 illnesses recordable to OSHA?