CAWC EXAM 2024/2025 WITH 100% ACCURATE
SOLUTIONS
Three Employer Defenses - Answer ✔✔The Fellow Servant Rule, The
Assumption of Risk and Contributory Negligence
Workers Accident Insurance in 1884 - Answer ✔✔German Chancellor
started it. First compulsory workers comp program in 1884
Triangle Shirtwaist Company - Answer ✔✔Major fire killing 140, after
Supreme Court called comp unconstitional
First State to enact workerman's compensation law that stood up -
Answer ✔✔Wisconsin
Choice of law provision-Jurisdiction - Answer ✔✔The laws of the states
in which the injury's occurred, in which the employee usually works and
in which the employee was hired. The worker can select which state they
want to receive benefits from.
Benefits Provided under workers compensation - Answer ✔✔1). Lost
wages
2) Medical Services
3) Rehab Services
4) Death Benefit
, Employers Liability - Answer ✔✔Provides coverage for employers
against common law liability for injuries to employees in cases that are
not covered by comp
1) Intentional acts-coal mine owner who knew about methane gas but
sends workers in anyway
2). Third Party Cross Claims: Falls off ladder but sues the ladder
company, ladder company files agains employer for improper
maintenance of ladder.
3) Dual Capacity Claim: employee gets hurt on a tractor his employer
manufacturers
4) Diseases or Injuries Excluded by Comp
5) Consortium of other loss Services of Family Member-Can have sex
with wife
HAS TO BE A WORKERS' COMPENSATION INJURY
Workers Comp Products - Answer ✔✔Guaranteed Cost
Small Deductible
Retro
Large Deductible
Hard Market characteristics - Answer ✔✔1). Rates are higher
2) carriers have leverage
3). Not much negotiating
SOLUTIONS
Three Employer Defenses - Answer ✔✔The Fellow Servant Rule, The
Assumption of Risk and Contributory Negligence
Workers Accident Insurance in 1884 - Answer ✔✔German Chancellor
started it. First compulsory workers comp program in 1884
Triangle Shirtwaist Company - Answer ✔✔Major fire killing 140, after
Supreme Court called comp unconstitional
First State to enact workerman's compensation law that stood up -
Answer ✔✔Wisconsin
Choice of law provision-Jurisdiction - Answer ✔✔The laws of the states
in which the injury's occurred, in which the employee usually works and
in which the employee was hired. The worker can select which state they
want to receive benefits from.
Benefits Provided under workers compensation - Answer ✔✔1). Lost
wages
2) Medical Services
3) Rehab Services
4) Death Benefit
, Employers Liability - Answer ✔✔Provides coverage for employers
against common law liability for injuries to employees in cases that are
not covered by comp
1) Intentional acts-coal mine owner who knew about methane gas but
sends workers in anyway
2). Third Party Cross Claims: Falls off ladder but sues the ladder
company, ladder company files agains employer for improper
maintenance of ladder.
3) Dual Capacity Claim: employee gets hurt on a tractor his employer
manufacturers
4) Diseases or Injuries Excluded by Comp
5) Consortium of other loss Services of Family Member-Can have sex
with wife
HAS TO BE A WORKERS' COMPENSATION INJURY
Workers Comp Products - Answer ✔✔Guaranteed Cost
Small Deductible
Retro
Large Deductible
Hard Market characteristics - Answer ✔✔1). Rates are higher
2) carriers have leverage
3). Not much negotiating
