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The primary reason for professional liability coverage is that a typical general liability insurance policy will respond only to a bodily injury, property damage, personal injury or advertising injury claim. Other forms of insurance cover employers, public and product liability. However, various professional services and products can give rise ...
Nearly all employers are required to have insurance to cover payments for: (1) medical costs resulting from occupational injuries and some occupational illnesses suffered by workers; and (2) partial replacement of injured or ill workers' lost wages, also known as indemnity. [21]
The insurance that employers must take out is referred to as Employer's Liability Compulsory Insurance (sometimes referred to as "ELCI"). [1] As well as being insured, employers must post details of the insurance for staff to see. This requirement applies to most companies; exemptions include public organisations and certain micro companies.
Otto von Bismarck, Chancellor of the German Empire, introduced the programs to assist workers in the event of accidental injury, illness or old age. [2] The initial system was financed by workers and employers. [5] The Sickness Insurance law paid indemnity for up to 13 weeks. The first 4 weeks were at 50% of prior wages, from the fifth week on ...
Dangerous tasks are common in the construction workplace. Workers' compensation or workers' comp is a form of insurance providing wage replacement and medical benefits to employees injured in the course of employment in exchange for mandatory relinquishment of the employee's right to sue his or her employer for the tort of negligence.
All laws regarding INAIL are included in the decree of the President of the Italian Republic n. 1124 of 30 June 1965. [10] From the entry into force of this decree, accidents in workplaces is insured along with the professional disease, intended as the event harmful for the worker acting on his abilities and which originates from non-violent causes (unlike the injury) related with the working ...
After her husband died, Paternostro discovered she couldn't collect his Social Security benefits due to a pair of federal policies called the Windfall Elimination Provision and the Government ...
Cases of professional liability blur the distinction between acts and statements, e.g. a medical specialist prepares a report for personal injury litigation, which can be characterised as a statement, but it must be based on the prior acts of carrying out a review of the medical records and performing a physical examination of the client.