Commercial Lines

Untangling the Work Comp Mess – Who is Covered and When

Two key questions are answered in this report – what makes an injury or disease compensable under workers’ compensation and who is covered by the work comp policy.

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Untangling the Work Comp Mess – When Employees Travel and Their Families Sue

When employees travel out of state for work, real work comp coverage gaps can exist; and these gaps could leave the employer without the necessary protection they THOUGHT they purchased…

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Workers’ Compensation: 5 Mistakes Every Agent Makes

Workers’ compensation, as a coverage, is simple. A worker gets hurt and, theoretically, the work comp policy pays; that’s the simple part. The more complicated areas of workers’ compensation involve…

Illinois DOI ‘Requests’ Insurers Not Apply Policy Provisions

Company Bulletin 2020-15 issued June 8, 2020, by the Illinois Department of Insurance (IDOI) threw key provisions of the business income policy out the proverbial window. This article examines how…

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