CISR Commercial Casualty II Workers Compensation Questions With Correct Answers!!

ITEM #1 - Named Insured, Address, Other Workplaces, and Type of Businesses ITEM #2 - Policy Period ITEM #3 A. - Part one Workers Comp Insurance-- List ALL States in which the insured has KNOWN operations or EXPECTS to have operations-- Activates Workers compensation laws for those states-- Cannot list monopolistic states (NOWW) ITEM # 3 B. - Part Two Employers Liability Insurance -- Limits of liability apply to the states listed in Item 3A ITEM #3 C - Part Three Other States Insurance -- Activated both WC and EI for states listed in 3 C - - Applies to operations that begin after the effective date (Usually unknown or unexpected operations) - - Cannot list Monopolistic States (NOWW) ITEM # 3 D - Endorsements and schedules Monopolistic States - North Dakota, Ohio, Washington, Wyoming 4 different benefits paid by most workers compensation acts - Medical, Disability, Rehabilitation and Death 4 types of claims covered by Employers Liability Insurance - Third Party Claim or Action over, Care and Loss of Services, Consequential Bodily Injury, Dual Capacity Claims Third party claim or action over - employee injured by a piece of equipment. Employee sues the manufacturer. Manufacturer files a claim against the employer when it is discovered the employer was aware the employee removed a safety guard to speed up work or cleaning processCare and Loss of Services -Dependents need care and services the injured parent can no longer provide. Also, spouse may sue for loss of consortium