The document discusses common misconceptions around workers' compensation requirements and introduces two types of insurance - Occupational Accident and Contingent Liability - that can help address risks not covered by standard workers' compensation. It provides examples of how different organizations like sports teams, country clubs, schools and others could benefit from these additional insurance options.

1. How are YOU managing your Workers’ Compensation requirements? ineligible …excluded volunteers? workers?

2. Workers’ Compensation Concerns for Commercial Property Owners, Sports Organizations, Public Entities and Others

3. COMMON MISCONCEPTIONS OF WORKERS’ COMPENSATION

4. 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

5. Why is finding solutions to these concerns about Workers’ Compensation so important?

6. 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?

7. 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.

8. Around for decades, Occupational Accident and Contingent Liability are proven, tested coverage

9. Recognizing these needs, U.S. Risk Underwriters is pleased to ANNOUNCE…

11. 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.

12. Country Clubs hosting tournaments should consider for anyone who lacks coverage. Organizers’ Time and effort saved is, as they say, priceless.

13. 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.

14. When it comes to concerts and special events, is a MUST for practically every class, including pyrotechnicians

15. 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.

16. Cities and counties, hotels and casinos can benefit from this coverage for meetings, seminars, trade shows, conventions, weddings and receptions

17. 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!

18. Did you get all that?

19. 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