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  1. Home-based business | Ask PIA

    Our client has a day-care center in her home and hires her grown daughter (not a resident in the home) full time, plus another person who teaches art a couple of hours a week. Should the client have a workers’ compensation policy?

    Yes. The daughter working full time is definitely an employee of the day-care business; and since she is not a member of the client’s residence, liability for her workers’ compensation coverage cannot be rejected. On the other hand, a resident family member would not be considered an employee, unless payroll...

  2. Managed care rules | Ask PIA

    Under Connecticut Workers’ Compensation Law, can an employee be required to go to a specific doctor?

    Not a specific doctor, but the employee’s choice of physician is limited to those participating in the employer’s approved medical care plan. If the employee seeks care from a physician outside the medical care plan, then all rights to workers’ compensation benefits may be suspended by  the workers’ compensation commissioner...

  3. Recovery against employers’ UM/UIM not barred by WC award | Ask PIA

    Our client has a commercial auto policy. In March 1993, one of their employees was injured in a company vehicle. The employee recovered under workers’ compensation, but now is putting a claim in under the employer’s uninsured/underinsured motorists coverage. Can the employee bring a claim against the auto policy? Was...

    This employee can make a claim against the auto policy; and yes, there have been both legislative and legal interpretations since this worker’s injury that assert his ability to do so. In 1992, the Connecticut Supreme Court [in CNA v. Colman, 222 Conn. (1992)] held that an employee who...

  4. Coverage for bike—car accident | Ask PIA

    While my insured was out riding his bike, he hit and damaged a car. Which policy pays—his auto or his homeowners?

    The homeowners policy pays for the damage he caused to the car. The standard homeowners policy’s liability exclusion applies only to damage arising in connection with motorized vehicles, so the use of his bike, being nonmotorized, is not excluded. But, if your insured had been injured, he could be compensated...

  5. Relapse from recovery | Ask PIA

    We have an insured who has an employee scheduled for knee surgery. The employee wants to be paid under workers’ compensation for the time he will be out. He had the same surgery 17 years ago on both knees while working for a different employer. The surgery was paid for...

    This claim needs to go back to the worker’s employer at the time of the original injury. The employee can claim workers’ compensation benefits under the provisions of Workers’ Compensation Law Section 31-307b, Benefits after relapse from recovery, Recurrent injuries.

  6. Volunteer WC coverage | Ask PIA

    Our insured is a veterinary hospital. They have volunteer labor working at the hospital. Do they need to provide workers’ compensation coverage for these people and, if so, how do we accomplish this?

    Per Rule 2.J. of the Connecticut State Rule Exceptions in the NCCI Basic Manual, “volunteer” workers are not entitled to benefits under the Workers’ Compensation Act except for police officers, firefighters and ambulance personnel who are expressly deemed employees by statute. So, hospital volunteers cannot collect workers’ compensation benefits. However,...

  7. Volunteer officers | Ask PIA

    How do we handle workers’ compensation for a corporate officer of a not-for-profit corporation? These officers are not paid; they function on a volunteer basis. Do they require workers’ compensation?

    Connecticut’s definition of an “employee” for the purposes of determining workers’ compensation benefits excludes officers of a fraternal corporation who receive a salary of less than $100 (see C.G.S. Section 31-275c). Other than this exception, all other officers of corporations are deemed to be covered employees under the Workers’ Compensation...

  8. Workers’ compensation forms when changing companies | Ask PIA

    Is it necessary to obtain and file updated, signed workers’ compensation exclusion/inclusion forms (applicable to corporate officers, partners, LLC members or sole proprietors) if coverage is transferred from one carrier to another? Some carriers seem to want them.

    No, it is not necessary. The Connecticut Workers’ Compensation Commission has confirmed to Professional Insurance Agents of Connecticut Inc. that, if coverage is transferred from one insurer to another, it is not necessary that the corporate officers, partners, etc., submit new forms (i.e., the 75, 6B or 6B-1 forms).

  9. Workers’ compensation district office listing | Ask PIA

    Where can I obtain a list of all the workers’ compensation district offices in Connecticut?

    Simply go to the Connecticut Workers’ Compensation Commission’s website at http://wcc.state.ct.us; go to the left-hand side under commission and click on District Offices.

  10. Airbnb and homeowners coverage | Ask PIA

    Some insurers are beginning to react to the emergence of Airbnb, a peer-to-peer agency for listing and booking accommodations connecting hosts and guests. One company is offering a package of coverages to supplement its homeowners policy. Another company provides coverage as long as the annual receipts do not exceed a modest dollar...

    There are many types of innkeeper businesses that have been in operation since the beginning of time. Airbnb takes the traditional bed-and-breakfast concept to a new level of opportunity for the more casual host. Nevertheless, the exposures are very similar to B&B operations. While the standard homeowners policy may provide...

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