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... by the official name of Workers Compensation and Employers Liability policy. With employers eager to assure their injured workers of recovery benefits, it's easy to overlook the Employers Liability' aspect of this policy. It's there to protect the insured employer against liability arising from physical injury and occupational illness claims not covered by Workers Comp. Once one learns of Employers Liability coverage's limitations, the value of adding Employment Practices Liability coverage to the program becomes obvious. Employers Liability vs. Workers Compensation The Employers Liability section resembles a Commercial General Liability (CGL) ... is found negligent. This coverage reflects the reality that Workers Comp doesn't cover every possible occupational claim. For example, the employer may be sued by a third party because the injured employee has sued the third party. Let's assume Curbside Concrete's employee is injured in an accident while driving a company mixer and sues the other driver. The other driver may then sue Curbside, arguing that a defect in its truck caused the accident. Employees using tools are especially prone to making claims like this. Employers Liability coverage is the remedy in ... have thousands of articles, checklists, tip sheets, sales letters, and more! Communications Marketing Customer Service Planning Finance/Accounting Risk Management Human Resources Selling Legal and E&O Technology Life/Financial Services Glossaries Management Resources & Links Categories Popular Recent All Back Epl Coverage Goes Where We Can't 5/15/2014 12:00:00 AM by CompleteMarkets Editor This content has not been rated yet. Workers Comp policies go by the official name of Workers Compensation and Employers Liability policy. With employers eager to assure their injured workers ...

...ising from physical injury and occupational illness claims not covered by Work..., policies, acts, or omissions. EPL coverage grows more popular every year, an...

...omobile ___ Life Insurance ___ Accident & Health ___ Other (specify): ______...160 Does your Auto policy contain 'Accidental Death and Disability' coverage? _______________________________...

...ECORDKEEPING REQUIREMENTS The Occupational Safety and Health Act of 1970 requ...test Recordkeeping Guidelines for Occupational Injuries and Illnesses. You may...

... rated yet. Have your producers use this questionnaire from Jack Fries to garner needed information from Auto prospects: AUTO INSURANCE QUESTIONNAIRE Producer: ____ Date: ____ INSURED Name ____ Phone ____ Address ____ City ____ State ___ Zip ____ Occupation ____ PRESENT AUTO Company ____ Exp. Date ____ LIMITS BI ____ PD ____ MED ____ UM/UIM ____ CSL ____ Why Moving Coverage? ____ Any tickets/accidents in household? If so, detail below. ... _ ____ ____ AUTO YR. MAKE/MODEL USAGE COMP/COLL. VIN# Auto 1 ____ Auto 2 ____ Auto 3 ____ Auto 4 ____ Alternate Garaging Auto # Loss Payee Auto # Sole Owner Yes No TOTAL PRESENT PREMIUM ____ DRIVERS NAME AGE/MARRIED LICENSE # G.S/AWAY Driver 1 ____ Driver 2 ____ Driver 3 ____ Driver 4 ____ TICKETS IN DRIVER # DATE VIOLATION ACCIDENTS LAST 5 YRS. ____ ____ DO YOU HAVE YOUR HOME INSURED WITH YOUR ... ? EXP. DATE ____ RECOMMENDED Company ____ COVERAGE BI ____ PD ____ MED ____ UM/UIM ____ CSI ____ DRIVER # CLASS COMP/COLL. RENT/TOW PREMIUM Auto 1 ____ Auto 2 ____ Auto 3 ____ SEE COMPUTER QUOTE TOTAL PREMIUM ____ COMBO Package Auto Premium ____ Company ____ COVERAGE Package Home Premium ____ Umbrella ____ TOTAL ____ Login or Register (for FREE) to gain access to thousands of other great articles. Need more reasons to ...

... Any tickets/accidents in household? If so, detail below. ..._________ Company ________________ COVERAGE Package Home Premium __________...

... client a set amount toward an occupational rehabilitation program, along with...ability prospects as they need this coverage. Their level of training and expe...

... not available in individual plans and some small Group plans. If included, the benefit may be limited as to how long a covered participant must have been covered by the plan, and may announce a dollar limit for normal pregnancy, subject to a special deductible. Occupational therapy Organ transplant Orthopedic training (exercises) Outpatient benefits Physical therapy Pre-admittance testing Prescription drugs, in/out of the hospital Private hospital room (only if required by law) Prosthetic devices Radiation therapy Speech therapy Substance abuse Surgery Surgery-second and third opinions Testing Well baby ... an economic and a social necessity. It is the method by which any member of the public may hold a contract or certificate that will not only make certain guarantees for the prevention and cure of disease, the maintenance of health, and the provision of care for accidents and emergencies, but will also provide protection from financial ruin that could most certainly follow a costly accident or illness. In fact, Health insurance is so important to the consumer that in many arenas it has become a political issue-there's talk of revising the entire U.S ... way or another, these could all be classified as Health insurance. In this sales campaign, we will attempt to narrow the field to some basic Health plans, including HMOs and PPOs, sold to individuals and groups. Medigap, Long-Term Care policies, and other specialized coverages deserve more in-depth coverage than they could receive here. Cafeteria plans are covered in your Payroll Deduction' sales campaign. The P/C agent is no doubt familiar with the concept of a package policy' covering many eventualities in one contract. Health insurance can be ...

...a special deductible. Occupational therapy Organ transplant ...hether they are individual or group coverages and upon the coverages and options in the plan. Regardl...

...l Protection Act (EPA) and the Occupational Safety and Health Act (OSHA) and A...al liability Property and All Risk Coverage Exposures Real property ...