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WORKERS' COMPENSATION DEFINITIONS Workers' This coverage agreement obligates the insurer to pay all compensation and Compensation other benefits required of the insured by the workers compensation law or Insurance occupational disease law of any state listed in the policy. The coverage applies to bodily injury by accident and by disease. Coverage (A) shows no dollar limit for the benefits provided since any applicable limits would be those established within the law. Benefits under Coverage (A)are paid to the employee without retard to fault. Employers' This coverage protects employers for their legal liability for bodily injury by Liability accident or disease to an employee arising out of and in the course of the employee's employment when not covered under the workers compensation law. Before benefits are paid under this coverage, the employee must prove the employer is liable for the injury. 1. Bodily Injury By Accident This amount is the most an insurer will pay under Coverage (B) for all claims arising from any one accident, regardless of how many employees are involved in the accident. The standard limit is $100,000 for any one accident, which can be increased. 2. Bodily Injury By Disease (Policy Limit) This is the aggregate limit the insurer will pay under Coverage (B) for all claims sustaining bodily injury by disease during the policy period. The standard policy limit is $500,000, which can be increased. 3. Bodily Injury By Disease (Each Employee) This amount is the most an insurer will pay under Coverage (B) for damages due to bodily injury by disease to any one employee. The standard limit of liability for each employee is $100.000,which can be increased. Officer/Partner In some states, workers compensation law allows an insured to include or Exclusion exclude Executive Officers and Partners, or both, from coverage. Adding this endorsement can designate the individuals not covered under the policy. Experience This is a factor that deals with the rating of the policy. The Experience Modification Modification figure is based on the insured's loss experience. The factor is used to increase or decrease the manual rates of insurance. Other States This provides workers compensation coverages if the insured expands Insurance operations into other states not declared at the time the policy is issued or renewed. If the insured elects this coverage and operations begin in a state listed under other states, the insurer provides the same coverage as if the state was declared in the policy at the time of policy issuance. USL&H This is a federal act, which is similar to the state workers compensation act. The federal act was designed to provide workers compensation benefits to employees who work in maritime employment upon the navigable waters of the United States and who are usually considered outside the scope of state workers compensation laws. When the USL&HWA endorsement is added to the standard policy it applies to work done in the states scheduled on the policy and extends the definition of the workers compensation law to include the USL&HWA. 58