Income provided under a disability policy, distinct from Workers' Compensation, usually expressed as a percentage of the insured's income prior to disability, with limits on the amount and duration of benefits.
Employers Liability Coverage, also known as Coverage B, is a component of Workers' Compensation insurance that provides coverage for employers against claims not covered by standard workers' compensation policies.
Job-related injuries are physical or psychological harm that occur during the course of employment, often addressed under workers' compensation laws.
An occupational hazard is a condition surrounding a work environment that increases the probability of death, disability, or illness to a worker. Understanding occupational hazards is crucial when writing workers' compensation insurance or determining underwriting classifications for life or health insurance.
Premises are commonly understood as land and its appurtenances, including structures thereon. The term also refers to any place where an employee may go in the course of his employment for purposes of Workers' Compensation.
Wages oncost refers to additional costs incurred by employers over and above the basic wages of employees. It includes expenses such as payroll taxes, workers' compensation, and other employment-related costs.
Workers' Compensation Acts are statutes that establish the liability of an employer for injuries or sicknesses that arise out of and in the course of employment. This liability is created without regard to the fault or negligence of the employer. Benefits generally include hospital and other medical payments and compensation for loss of income. If the injury is covered by the statute, compensation thereunder will be the employee's only remedy against his employer.
Workers' compensation income refers to the benefits provided to employees who suffer work-related injuries or illnesses, compensating for loss of income, medical expenses, and rehabilitation costs during their recovery period.
Workers' Compensation, Coverage A refers to a type of insurance agreement where an insurer commits to covering all compensation and benefits that an insured employer is legally obligated to provide under state-specific workers' compensation laws.
Coverage under a commercial Workers' Compensation Policy for situations not covered under workers' compensation laws where an employee could sue for injuries suffered under common-law liability.
The physical area within which injuries to an employee are compensable by workers' compensation laws. It denotes the place of employment and surrounding areas, including the means of entrance and exit, that are under control of the employer.
