<ul><li>If a company has Workers’ Compensation, every employee is covered </li></ul><ul><li>If the General Contractor has Workers’ Comp, his subcontractors are covered </li></ul><ul><li>They’re not our employees, so it’s not our problem </li></ul><ul><li>If they give us a certificate that appears to meet our requirements but doesn’t - it’s fraud, or dishonesty </li></ul><ul><li>Workers’ Comp covers volunteers </li></ul><ul><li>An independent contractor can’t sue himself, so a state exemption from carrying Workers’ Comp should be the last word </li></ul>M I S C O N C E P T I O N S
<ul><li>Why is finding solutions </li></ul><ul><li>to these concerns about </li></ul><ul><li>Workers’ Compensation </li></ul><ul><li>so important? </li></ul>
<ul><li>Those who don’t think the risk is real - and the risk is great should ask these important questions: </li></ul>Why do I require that all people performing work on my property have Workers Compensation insurance? And, why do I require that their insurer name me as Additional Insured?
Occupational Accident Designed to cover independent contractors’ medical costs, and compensation for death or disability due to a work-related incident for a specified period, Occupational Accident can also include benefits for paralysis. Contingent Liability Performs as Workers’ Compensation should a contractor or volunteer be deemed or allege to be an employee. Can be a safety net for those times when changing laws and interpretations redefine contractor, volunteer and employee.
Around for decades, Occupational Accident and Contingent Liability are proven, tested coverage
Recognizing these needs, U.S. Risk Underwriters is pleased to ANNOUNCE…
Sports teams should consider for bat boys, scouts, contracted officials, volunteers, contractors, concessionaires - at counters and in stands, other vendors and non-employee workers. A longer term version of the coverage can be tailored to your needs.
Country Clubs hosting tournaments should consider for anyone who lacks coverage. Organizers’ Time and effort saved is, as they say, priceless.
Stadiums and arenas share similar uses for with sports teams, plus others such as concerts, guest performers of our national anthem, half-time entertainment, location use in film production, and more.
When it comes to concerts and special events, is a MUST for practically every class, including pyrotechnicians
Cities and counties should insist on coverage for volunteers and officials for marathons, bike races, regattas, concerts in the park, fireworks displays and street fairs, to name a few.
Cities and counties, hotels and casinos can benefit from this coverage for meetings, seminars, trade shows, conventions, weddings and receptions
Primary Schools, Colleges and Universities can benefit for guest speakers for a lecture series or graduation ceremony , student film projects on location, plus concerts , camps and clinics, tenant instructors for seminars and continuing ed classes on campus, boosters and alumni volunteers , tryouts judges – the list goes on!
for additional information on and longer term options tailored to your clients, contact: Lorna Greenwood WCS, CRM, CIC, CISR, ACSR 800.232.5830 x 52470 [email_address] www.usrisk.com All rights reserved Intended for general information Policy forms prevail