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A Workers\' Compensation Alternative for Contractors in Entertainment and Other Events

A Workers\' Compensation Alternative for Contractors in Entertainment and Other Events



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  • Everyone thinks about how Workers’ Compensation WORKS. When it’s a good fit, it works well. It’s time we took a look at situations where Workers’ Comp DOESN’T work.

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  • How are YOU managing your Workers’ Compensation requirements? ineligible …excluded volunteers? workers?
  • Workers’ Compensation Concerns for Commercial Property Owners, Sports Organizations, Public Entities and Others
    • If a company has Workers’ Compensation, every employee is covered
    • If the General Contractor has Workers’ Comp, his subcontractors are covered
    • They’re not our employees, so it’s not our problem
    • If they give us a certificate that appears to meet our requirements but doesn’t - it’s fraud, or dishonesty
    • Workers’ Comp covers volunteers
    • An independent contractor can’t sue himself, so a state exemption from carrying Workers’ Comp should be the last word
    M I S C O N C E P T I O N S
    • Why is finding solutions
    • to these concerns about
    • Workers’ Compensation
    • so important?
    • Those who don’t think the risk is real - and the risk is great should ask these important questions:
    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!
  • Did you get all that?
  • 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