The enabling legislation for the Occupational Safety and Health Agency exclude large numbers of people from coverage.
First, it covers only employees of employers in the private sector of the economy. Self-employed people are not covered. Then it excludes the employees of the federal government and of state and subsidiary governments.
If a State chooses to operate a approved Safety and Health program on its own, approval is not given unless the program covers the employees of the state and of subsidiary governments.
It cannot cover employees of the United Nations or of foreign embassies because they are considered soverighn territory of another nation. It cannot cover US citizens employed in foreign countries by non-US companies, since those companies are not subject to US law.
That still leaves many people covered, but not everyone.
It would not be nice to exclude anyone from club membership.
Employees of the federal government are exempt from OSHA coverage under the OSHAct. However, by Presidential Order they are required to have Occupational Safety and Health Programs with requirements at least as stringent as those of OSHA.
Anyone can report to OSHA what they believe to be a violation of OSHA requirements, but only an employee can file a formal complaint with OSHA alleging that the employer has violated OSHA requirements. Complaints from non-employees are likely to receive less intense attention, unless they come from clearly knowledgeable healtha and safety professionals or relate to extremely hazardous situations.
not exclude anyone.
No. You can't insure a crime. Most insurance policies, excepting certain coverage in professional lines will exclude coverage for criminal activities.
A long-term care policy can exclude coverage for pre-existing conditions for up to 6 months after the policy is issued, but this can vary depending on the policy terms and state regulations. After this waiting period, coverage for preexisting conditions should be included in the policy's benefits.
No, in fact standard homeowner's policies specifically exclude coverage for vehicles.
OSHA has nothing to say about anyone's recreational water safety program.
Yes, you should be able to obtain insurance. Most policies exclude coverage for suicide in the first two years of the policy, and in this case a company may exclude coverage beyond that two year term, since there was a previous attempt.
Most policies exclude coverage for damage caused by animals, varmints, and insects.
Basically anyone who wasn't Caucasian Christians.
Perhaps we do, if would please specify, coverage of WHAT???