1. Who is responsible for Subcontracting Arrangements?

Answer:
The principal contractor is liable for injuries to an uninsured subcontractors' employees.

2. What are the costs associated with Loss Prevention and Claims Services?

Answer:
All Loss Prevention and Claims services are provided free of charge with the policy. Please contact our Loss Prevention or Claims departments for assistance.

3. Are there special things to consider if a company has employees under 17 or over 60?

Answer:
Employees who are 16 or under need working papers. Under Rhode Island workers' compensation law, an employer must pay triple damages for minors employed in violation of the law.

There may be a need for specialized loss-prevention techniques for both groups. Job duties and safety programs may need to be specifically designed for these workers.

If Social Security is being received by the claimant, the Social Security payments can be offset by our workers' compensation payments. If Social Security benefits are being received because of retirement, workers' compensation benefits can be withheld.

4. What type of application does the The Beacon accept?

Answer:
The Beacon will accept applications filed on the standard Acord application. It is critical that all information is included on the application in order to bind coverage. A cover letter explaining the account, along with prior loss history (loss run information) is also desired. Incomplete applications or submissions will be returned if information is not received within 7 days of submission.