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Texas is unusual in that it allows employers to opt out of the workers' compensation system, with those employers who do not purchase workers' compensation insurance being called non-subscribers. [57] However, those employers are exposed to legal liability in the event of employee injury.
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.
Liability insurance (also called third-party insurance) is a part of the general insurance system of risk financing to protect the purchaser (the "insured") from the risks of liabilities imposed by lawsuits and similar claims and protects the insured if the purchaser is sued for claims that come within the coverage of the insurance policy.
Potential gaps in insurance coverage; Potential losses in already-paid insurance premiums (if contractor failed to anticipate becoming fully occupied with OCIP-insured project(s) for policy period) Uncompensated administrative costs of the contractor; Deductions from contract value based on expected savings that exceed actual insurance costs
Employment practices liability is an area of United States labor law that deals with wrongful termination, sexual harassment, discrimination, invasion of privacy, false imprisonment, breach of contract, emotional distress, and wage and hour law violations. It may be categorized as a form of professional liability.
The remaining charges will go to the secondary payer, which provides benefits based on the plan rules. Out-of-pocket costs There may be additional costs if Medicare and employer coverage do not ...
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