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Workers’ compensation

060046-00

Coverage considerations when hiring au pairs
Our clients are planning to hire an au pair through a foreign agency to clean house, watch their children, etc., in exchange for room and board......

060062-00

Building permits proof of workers’ compensation insurance
I know there has been some confusion about the proof of workers’ compensation insurance requirement for building permits where the work is......

060063-00

Coverage while preparing for work
When does workers’ compensation coverage begin to apply to workers during the typical workday?...

060064-00

Definition of ’employee’—real-estate exception
Could you fill us in on a law that was passed a while back exempting real-estate brokers from workers’ compensation? We don’t want to......

060065-00

Employee leasing
We have an insured with 10 employees. This client is entering into an agreement with an employee-leasing company. What are the responsibilities of......

060066-00

Guaranty Association protections for workers’ compensation
What is the limit of Connecticut Insurance Guaranty Association coverage for workers’ compensation claims?...

060067-00

Home-based business
Our client has a day-care center in her home and hires her grown daughter (not a resident in the home) full time, plus another person who teaches......

060068-00

Managed care rules
Under Connecticut Workers’ Compensation Law, can an employee be required to go to a specific doctor?...

060069-00

’Other states’ WC coverage in assigned-risk plan
This question concerns a workers’ compensation policy issued under the rules of the assigned-risk plan. According to the National Council on......

060070-00

Recovery against employers’ UM/UIM not barred by WC award
Our client has a commercial auto policy. In March 1993, one of their employees was injured in a company vehicle. The employee recovered under......

060071-00

Relapse from recovery
We have an insured who has an employee scheduled for knee surgery. The employee wants to be paid under workers’ compensation for the time he......

060072-00

Volunteer WC coverage
Our insured is a veterinary hospital. They have volunteer labor working at the hospital. Do they need to provide workers’ compensation......

060073-00

Volunteer officers
How do we handle workers’ compensation for a corporate officer of a not-for-profit corporation? These officers are not paid; they function......

060074-00

Workers’ compensation forms when changing companies
Is it necessary to obtain and file updated, signed workers’ compensation exclusion/inclusion forms (applicable to corporate officers,......

060075-00

Workers’ compensation district office listing
Where can I obtain a list of all the workers’ compensation district offices in Connecticut?...

060076-00

Workers’ compensation retrospective rating
I would like some information on retrospective-rating plans for workers’ compensation. Specifically, what is a “compensating balance......

060079-00

Workers’ compensation for LLC managers
Are managers of Connecticut limited liability companies treated by the state as partners or as corporate officers for the purposes of......

060082-00

Connecticut workers’ compensation for principals
Could you review the requirements regarding officers, partners, LLC members, and sole proprietors with respect to workers’ compensation......

060089-00

Contingent liability to uninsured contractors
A subcontractor’s employee is injured on the job and it is discovered that the subcontractor’s policy is not in force. The general......

060090-00

Employee vs. independent contractor—audit
Is there any way to dispute an audit if the policyholder does not believe certain workers should be classified as employees?...

060099-00

An employee’s right to sue under voluntary workers’ compensation coverage
If an employee is not subject to the Workers’ Compensation Law and the employer chooses to voluntarily cover the employee with......

060106-00

Concession volunteers
Our local town baseball league has volunteers who help at the concession stand during the baseball games. Each volunteer receives a stipend of......

060111-00

Homeowners protection for building renovations
A homeowner insured is hiring a contractor to do substantial work ($350,000) on his home. The contractor provides a certificate of liability......

060124-00

Student interns
I have an insured who conducts research sessions and puts the results in a report which is presented to the client. They occasionally hire......

060141-00

Workers’ compensation—covering working family members resident in the employer’s household
Does Connecticut exempt from its Workers’ Compensation Law resident family members working in the (non-farm) business of the employer?...

900021-00

Stopgap insurance
Could you explain “stopgap” insurance? How is it provided?...

900067-00

Workers’ compensation—Florida domestic employees
We’re not sure where to turn to obtain workers’ compensation for a domestic employee who will be coming into our clients’......

900176-00

Covering workers’ compensation exposures in the Virgin Islands
We need to cover a possible workers’ compensation exposure in St. Thomas, Virgin Islands. Does St. Thomas require workers’......

900177-00

Temporary work in Canada
Our client will be doing well drilling in Ontario, Canada. How do I cover the workers’ compensation exposure?...

900182-00

Audit time frames
According to the company, the wrong rates were used to rate workers’ compensation coverage for a construction business back in 2018-19. In......

900197-00

Florida traveling salesperson
Our insured is opening a Florida sales office. The salesperson will be based in Florida but traveling 50% of the time. Do you know if a Florida......

900230-00

Class change upon audit
Can a carrier add a new class to a workers’ compensation policy upon audit?...

900238-00

Workers’ compensation fines
Can members of a limited liability company or officers of a corporation be held personally responsible for workers’ compensation fines when......

900268-00

Foreign exposures
For clients who have employees traveling outside of the U.S., at what point does coverage cease (i.e., Canada, Mexico, Israel, or England)? Is......

900321-00

Form 154 requirements for out-of-state businesses when operating in Massachusetts
What workers’ compensation insurance requirement applies to a business domiciled in another state, but operating in Massachusetts?...

900438-00

Occupational Safety and Health Administration—COVID-19  
Are COVID-19 illnesses recordable to OSHA?...