BeaconApproach
Your Path to Aviation Workers' Compensation Resources
June 18, 2015

Workers' Compensation- All States Coverage

 

As an insurance agent you may be frequently confronted with the need to provide clients with policies that extend coverage across several territories.  This is especially true in the aviation industry, where travel across state lines is an every day occurrence for many.  In this particular situation, we will only be evaluating travel within the United States of America. International travel will be a topic for a future discussion.

 

So how can you ensure that coverage territory is extended under your client's Workers' Compensation policy?  We will take a brief and simplistic look into the two basic parts of the Workers' Compensation Information Page (Declarations Page) that should be evaluated: 

 

  • Item 3. A. - Lists the states where the insured has permanent workplaces or continuing operations.  All states with permanent workplaces or continuing operations for which coverage is sought under the policy should be listed here.
  • Item 3. C. - Lists the remainder of states or "Other States" for which coverage will be extended when an employee's work or travel is temporary or incidental.

 

Item 3. C. extends coverage to an employer who may have temporary or incidental exposures in the states listed, such as when an employee is traveling for a sales meeting or industry conference.  Attention should be given to which states are listed here.  Ideally you would like to see "All States except Monopolistic States (OH, ND, WY and WA) and the state(s)  designated in item 3. A."

 

For example, XYZ Aircraft Maintenance is a Florida company with permanent workplaces there, therefore FL is listed in 3. A.  Employees occasionally travel to Georgia to temporarily work on an aircraft restoration project.  GA is included in 3. C. under "All States".  In most cases coverage in GA will be extended as if it were listed in 3. A. subject to the conditions of the policy.  GA may or may not be added to 3. A. depending on the duration or permanency of the work.

 

Each situation can be different, but your underwriter is here to help and should be able to work with you to help determine what is necessary.

 

What are your thoughts, past experiences and questions?

 

Please email me directly. We will be addressing your questions in the next BeaconApproach.  

 

We look forward to hearing from you!

 

Bennett Goldblum

Underwriter

Commercial Pilot SEL, MEL, SES

Certified Flight Instructor, CFII, MEI

Beacon Aviation Insurance Services 

[email protected]

(941) 256-7307 Direct

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