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Workers' Compensation and Employers' Liability
Longshore and Harbor Workers' Compensation Act
Other States
Workers' Compensation and Employers' Liability
Both of these coverages are included in Beacon Mutual policy.
Workers' compensation is "part one" of the policy and pays the statutory
benefits specified by the workers' compensation law. (The law is different in
each state.) "Part two" is employers' liability coverage. It covers tort
liability as opposed to specific benefits provided under "part one." It
indicates not only circumstances for which coverage will be afforded and a
defense provided, but also situations from which coverage will be excluded.
Employers' liability coverage carries the specific limits of liability
applicable to each person and each accident and an aggregate policy limit for
occupational disease claims.
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Longshore and Harbor Workers' Compensation Act
This policy provides coverage as required by federal law. It
applies to injuries that occur on navigable U.S. waters and on dry docks.
Additionally, it relates to work on any adjoining pier, wharf, terminal,
building way, maritime railway or other adjoining area customarily used by an
employee in loading, unloading, repairing or building a vessel.
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Other States
Although Beacon is licensed to write workers' compensation insurance only in
the state of Rhode Island, Beacon also provides Rhode Island benefits
to Rhode Island employees who are temporarily in other states.
Beacon also has an arrangement with Argonaut Insurance
Company to provide insurance for permanent locations and exposures in
other states if the client has a Rhode Island location.
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