Insurance Journal's Academy of Insurance
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Statutes, common law, contracts and the human element combine to produce a safety net for workers injured on the job.
This 5-part series is broken down to five, 1-hour sessions to be viewed at your convenience.
Purchase price includes a free electronic copy of "The Insurance Professional's Practical Guide to Workers' compensation" a $32.95 value!
Course Overview:Statutes, common law, contracts and the human element all work together or in necessary conflict with each other to allow or push the workers' compensation machine to produce the result it was designed for - a safety net for workers injured on the job. This five-part webinar series provides an in depth study on these "moving parts" that make the workers' compensation policy work. Rarely is policy language discussed because it is only a small part of the workers' compensation "machine."
Session 1: The Course and Scope Rule and its Gray Areas - Including a Discussion of Compensable Occupational DiseaseFor an injury to be compensable it must "arise out of and be in the course and scope" of the worker's employment. "Course and scope" is not always black and white; there is sometimes a bit of gray area. This session will illuminate some of the gray areas and guide the participant through some interpretations of "course and scope."
You may purchase just this course, here.
Session 2: Employees, Independent Contractors, General Contractors and Contractual Risk Transfer in Work CompWho qualifies as an "employee?" The answer can depend on statute, contract and the facts surrounding the relationship between the worker and the individual or entity making use of the worker's services. Session 2 dissects employee/employer relationships to avoid surprises following a loss or at audit.
Session 3: When to Add Additional States - Extraterritorial Jurisdiction ProblemsPotential coverage limit gaps or the complete loss of coverage are possible when employees work in states in which the employer has no specific location. To avoid these gaps or the loss of coverage requires recognition of the problems and knowledge of the available solutions. This session highlights the problems, focuses on the solutions and provides guidelines and rules that should be followed in deciding to name a state.
Session 4: The Surprising Importance of Employers' Liability ProtectionEmployers' Liability protection is often overlooked or just plain ignored by many agents and brokers. The gaps filled by this coverage are too important to act carelessly when planning this protection. This session provides a new appreciation for the importance of employers' liability protection.
Session 5: How to Read, Understand and Explain the Experience Modification WorksheetLearn the who, what, when, why and how of experience modification. Who is eligible for or required to have an experience modification factor? What is an experience modification factor and why are they used? And the major question, “How are experience mods calculated?”
The major focus of this class is on the “how.” Students will spend the majority of this session studying the experience mod worksheet and learning the in’s and out’s of how the mod is calculated. Knowing this makes it easier to find the mistakes and help the client. Without this knowledge, you are at the mercy of the entity that develops the mod.