1. 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

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

3. 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.

4. 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,...

5. 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...

6. 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