Workers Compensation and Employers Liability Insurance Policy General Section Part One - Workers Compensation Insurance Part Two - Employers Liability Insurance Part Three - Other States Insurance Part Four - Your Duties if Injury Occurs Part Five - Premium Part Six - Conditions

General Section The Policy Who is Insured Workers Compensation Law State Locations

Part One - Workers Compensation A. How This Insurance Applies Bodily injury by accident must occur during the policy period Bodily injury by disease must be caused or aggravated by conditions of your employment. The employee’s last day of exposure to the conditions causing or aggravating such bodily injury must occur during the policy period. H. Statutory Provisions Your default or the bankruptcy or insolvency of you or your estate will not relieve us of our duties under this insurance after an injury occurs.

Part Two - Employers Liability A. How This Insurance Applies Suit must be originally brought in US, territories or possessions or Canada C. Exclusions Punitive damages for illegal employee Damages arising out of coercion, criticism, demotion,...

Part Three - Other States Insurance A. How This Insurance Applies States must be indicated on information page Applies if you are not otherwise insured in those states Part Five - Premium E. Final Premium The premiums shown on the Information Page, schedules, and endorsements is an estimate. The final premium will be determined after this policy ends by using the actual, not the estimated, premium basis and the proper classifications and rates...

Workers Compensation and Employers Liability Manual Rules Explanation of Coverages and Methods of Insuring Classifications Premium Basis Rates and Advisory Loss Costs Premium Discount Limits of Liability