The employee who instigated the "horse-play" will probably be held personally responsible for any injury or damage claim. WCI only applies to injuries incurred when the employee is performing regular job related duties. The injured person can file a lawsuit to recover medical and any other expenses caused by the person who started the rough-housing.
If directly caused by an employee's workplace injury. But it was after hours
Workmens sells an Insurance that covers the policy holder for injuries or medical conditions caused by their employment which leads them to be unable to work. It provides a salary.
Possibly - not likely. Stroke would have to be caused by the job or the job would have to contribute to it - difficult to prove.
As and employee of course.
No. This is something that you did on purpose and the damage is not caused by a "covered cause" under the terms of the policy. Generally it must be damage caused by one of the covered causes and must be sudden and accidental.
Not unless you can prove: -that a work condition caused or exacerbated a seizure condition, -that a stressful work environment exacerbated an existing seizure condition, -that a required duty caused you to be in a place where you sustained a head injury which caused the seizure, or -that your employer required you to be at work despite their knowledge of an unusually high risk of seizure activity (you had run out of medication, for example).
No. Loss that was not caused by a covered cause is not covered. If it was lost in a fire then it would be covered or damaged due to a tornado then it would be covered. If it was just lost then no it would not be covered.
yes you are . * It depends on what activity caused the injury. If the person was engaging in irresponsible behavior he or she may not qualify for WCI benefits.
Geico covered the damage caused to my Durango when a branch fell on it. I had to pay a decuctable.
Hurrican damage is covered. Anything direct, sudden, and accidental is covered.
It depends on the type of insurance coverage. If it was Liability insurance only, and she caused the wreck, then it is not covered. If it was Collision coverage, and she caused the wreck, then it would be covered. If she didn't cause the wreck, I'd check with the insurance company of the person who did cause it.
It depends on how the damage was caused. It must have been caused by a "covered cause".
It depends what caused the separation. If it was from improper installation or a design flaw the damage will not be covered. However, if the damage was caused by a covered loss then the damage will be covered. Review the Perils Insured Against section of your policy to determine if the loss is covered. You may need to retain an engineer to determine the cause.
Probably not. Usually a septic system backup is caused by a maintenance issue and not by a covered cause that would be covered on your homeowners insurance.
In court, no. However it cannot go without consideration that if employee was trained to use said equipment and caused damage, the employee may consider contributing to repairs.
Speaking from personal experience and a great deal of research with a fully disabled by Melanoma patient, not as a WC specialist: Unless you are something like a lifequard and would want to pursue some direct link between your employment and the developing of cancer (and that may not be easy to prove), there would seem to be no reason it would be a disability caused by or at the employment and covered by WC. If it prevents you from working it generally does qualify as a disability for Social Security (and presumably other) disability coverages. Probably not unless there was outrageous work conditions. Skin cancer is a condition that can be part of your family tendencies. If you work outside, are light skinned and have moles, you're a candidate and should probably wear sunscreen, but since it isn't a situation where EVERYONE who works outside will get skin cancer, the workmens comp insurance probably won't pay for it.
Of course not. Scabies is a skin condition caused by a type of mite. There is not way that this would be covered under a homeowners insurance policy
Probably not. The main reason is that the cost to replace a key will not be enough to exceed whatever deductible you have. The main issue to consider on any claim is what caused the loss and the claim must be caused by a covered loss.
no, although the tort was commited by the employee at the place of business, it was not an ordered act, or caused, by the complany.
It depends on what caused the leak. If the leak was caused by a covered peril under you home insurance policy such as fire, wind, hail etc then it would be covered. If the leak is due to other reasons such as age or deterioration then it is a home owners maintenance issue.
Most on-the-job injuries are covered, regardless of fault. The workers� compensation system is designed to provide benefits to injured workers, even if an injury is caused by the employer's carelessness or the employee's own carelessness (if the employee tripped because of clumsiness or was not paying attention while operating heavy equipment, for example). Mere carelessness or even recklessness is rarely enough to take the claim out of the realm of workers� comp. Coverage may be denied in situations involving self-inflicted injuries, injuries suffered while an employee is committing a crime or injuries suffered when an employee's conduct violated company policy, like a policy against drug use or drinking on the job.
I cannot see any way that a covered cause would require you to get a locksmith. If the damage was not caused by a covered cause then no it will not pay for a locksmith.
It just depends on what caused the leak. Was the cause of the leak by a covered peril such as fire, wind, hail etc? If so, then yes it would be covered. If not, then it would not be covered.
A dogs stomach covered in tiny red bumps could be a sign of allergies. It could also be caused by flea bites.