The Workers Compensation laws of every state lay out the statutory benefits to be paid to employees resulting from accidental injury or illness, arising out of their employment and during their employment. These laws vary significantly from state to state, but in all cases are designed to provide a no-fault system of coverage to employees. The employer is responsible for the payment of these benefits whether they have purchased insurance or not. But who exactly is an employee required to be covered under your insured’s Workers Compensation policy?  

Our presentation will go over the 4 different types of employer/employee relationships that might exist with any of your insureds, and the Workers Compensation coverage needed in these specific cases. We will also consider volunteers, and aliens. The goal is to give you a better understanding of when and how a “worker” can and should be considered an “employee”, to allow you to discuss these possible exposures with your insureds. This presentation does not include information on PEOs.  

Topics Include:
• Brief overview of Part I of the NCCI Workers Compensation Policy
• What makes a worker an employee?  What the insured thinks vs criteria used by the insurance company 
• Explanation of the 4 different types of employer/employee relationships that should be explored with every insured
• How can volunteers be covered?
• Are aliens considered employees?