The Traveling Contractor – Does my Worker’s Compensation policy cover me?

Worker’s Compensation coverage is a subject that is often out of sight and out of mind for many contractors.  But when a contractor takes a project in another state, Worker’s Compensation coverage should be front and center for consideration.  Few contractors realize that their Workers’ Compensation policy may not respond to employee-related injuries arising from those out-of-state projects.

Details

Manion Stigger attorney certified Construction Insurance & Risk Specialist

Ask any contractor – liability insurance carriers are more than happy to accept premium payments for insurance policies.  But, then, what happens when the contractor has a claim that the contractor thinks should be covered by insurance?  More and more contractors learn after the fact that their insurance program does not provide the extent of coverage that they expected.  With industry lingo being tossed around like “your work exclusion,” “third-party over action exclusion endorsement,” “products and completed operations,”“exceptions to exclusions,” and “multiple Additional Insured endorsements through ISO”(can I still get broad form coverage?), it is little wonder that insurance coverage decisions frustrate and confuse many construction contractors and lead to insurance coverage disputes.  Don’t worry, contractors, you are in good company – many attorneys do not understand how CGL policies and the like work either.

Details