|
Municipal Entity
Excess Workers Compensation and Employers Liability
Coverage Highlights
|
|
Insuring Agreement
|
| Indemnity |
| All loss for regular benefits under the workers compensation law in effect at the date of loss and claims expenses to which this insurance applies in excess of the self-insured retention as shown on the Declarations. |
| Damages for which you liable to a third party as a result of injury to your employee |
| Occurs during the policy period |
|
Entities/Operations Insured
|
|
COVERED ORGANIZATIONS
|
| You, the Named Insured as shown on the Declarations |
| Partnership or Joint Venture as shown on the Declarations. |
|
COVERED EMPLOYEES
|
| Employees hired by you |
| Act as Volunteers or Board Members |
| Traveling or temporarily working outside the United States |
| Employees not subject to workers compensation of the listed state |
| Employees who are U.S. citizens assigned by you to work at locations outside the United States |
| OTHER COVERAGES |
| Voluntary Compensation |
| Stop Gap Insurance |
| Endemic Disease and Repatriation |
| Unintentional Error or Omission |
| Communicable disease |
|
|
| POLICY LIMIT |
| Per Occurrence |
| Limit of Insurance shown in the Declarations is the most we will pay the Insured under the Coverage Part regardless of the number of: |
Employees
|
Claims made or suits brought
|
Persons, organizations or government agencies making claims or bringing suits
|
| Limit of Insurance will not be reduced by the self-insured retention |
|
SELF INSURED RETENTION
|
| Minimum Amount $100,000 |
| Allocated inside retained limit |
| Self-insured retention applies to each bodily injury or accident and claim expenses for which coverage is afforded by this Coverage Part |
| Self-insured retention shall is a combined limit for WC and EL but a separate insured limits apply |
| Limits of Insurance of this Coverage Part apply in excess of the self-insured retention |
|
DEFINITION OF DAMAGES
|
| Damages you are liable to a third party as a result of injury to your employee |
| Damages for care and loss of services |
| Damages for consequential bodily injury to a spouse, child, parent, brother or sister of the injured employee |
| Damage because of bodily injury to your employee arising out of and in the course of employment claimed against you in a capacity other than as employer |
