Provided By Touchstone Consulting Group Workers Compensation Employer Penalties

Size: px
Start display at page:

Download "Provided By Touchstone Consulting Group Workers Compensation Employer Penalties"

Transcription

1 Provided By Touchstone Consulting Group Workers Compensation Employer New Jersey s workers compensation laws determine the benefits available to employees who are injured in the course and scope of employment. An injury qualifies for workers compensation coverage if the damage or harm an employee suffers is work-related. Workers compensation laws in New Jersey determine the penalties employers face if they fail to comply with state requirements. The New Jersey Division of Workers Compensation (DWC), part of the New Jersey Department of Labor and Workforce Development, has the authority to enforce compliance throughout the state. FAILURE TO MAINTAIN ADEQUATE COVERAGE Employers that do not maintain adequate coverage for their workers compensation liability through an insurance policy or through self-insurance are subject to criminal and administrative penalties. The DWC considers an employer s workers compensation coverage to be inadequate if the employer fails to produce proof of coverage upon request. Proof of coverage, which must indicate the effective dates of coverage, includes: A copy of a current certificate of insurance issued by a provider licensed in New Jersey; A sworn affidavit by the agent of an insurance provider stating the employer s policy number and the effective dates of coverage; Documents showing that an application for coverage has been filed with the New Jersey Compensation Rating and Inspection Bureau (CRIB); or A copy of the certificate of approval for self-insurance issued by the New Jersey Department of Banking and Insurance (DBI). Criminal An employer that fails to obtain or maintain adequate coverage may be charged as a disorderly person, punishable by a fine of up to $1,000, imprisonment for up to six months or both. Failure to maintain adequate coverage includes: Misrepresenting one or more employees as independent contractors; and Providing false or misleading information concerning the number of employees. Employers that knowingly fail to maintain adequate coverage are also subject to stopwork orders issued by the DWC (see below for more information on stop-work orders). Officers of a corporation may be personally liable for the corporation s failure to secure coverage if the officers are actively engaged in the corporate business. Corporate officers include the president, vice-president, secretary and treasurer of a business. This guide is not intended to be exhaustive nor should any discussion or opinions be construed as legal advice. It is provided for general informational purposes only. It broadly summarizes state statutes and regulations generally applicable to private employers, but does not include references to other legal resources unless specifically noted. Readers should contact legal counsel for legal advice. Contractors may become liable for any compensation due to an injured employee hired by a subcontractor if the subcontractor does not have adequate coverage. However, New Jersey law allows contractors to seek reimbursement from violating subcontractors Zywave, Inc. All rights reserved. JPA 05/15

2 Administrative In addition to criminal penalties, the DWC may also impose a $5,000 fine on employers that are uninsured or allow their coverage to lapse for up to 10 days. Additional $5,000 fines are possible for every subsequent 10-day period the employer is without adequate coverage. Employers may also be required to pay extra $1,000 fines if they cannot produce sufficient proof of adequate coverage. The DWC will allow employers the opportunity to present evidence against an alleged violation of the coverage requirements. Upon evaluating the evidence, the initial penalty may be dismissed or partially abated. The DWC considers the following factors when making an abatement decision: The length of time the employer was without adequate coverage; Whether a compensable injury occurred while the employer was inadequately covered; Whether the employer has a past history of violations (this includes violations made by entities in which the employer was an owner, officer or principal shareholder); The employer s good faith efforts; The size of the employer s business; and Any other material factor. Stop-Work Orders Employers are subject to stop-work orders if they knowingly: Fail to provide adequate workers compensation coverage for their employees; Misrepresent one or more employees as independent contractors; or Provide false, incomplete or misleading information regarding the number of employees. Knowingly means the employer has: Previously obtained workers compensation insurance and the insurance has been cancelled, discontinued or not renewed; Been advised of the need for workers compensation coverage by the DWC or any other governmental agency; or Received one or more penalties for violating workers compensation coverage requirements (including failure to obtain coverage, failure to qualify for self-insurance, misreporting or misrepresenting the number of employees, and misreporting or misrepresenting employees as independent contractors). Stop-work orders are issued by the DWC within 72 hours of the conclusion of an investigation. Employers that receive a stop-work order must typically cease all business operations until the order expires. This applies to every site affected by the violation. A stop-work order becomes effective when it s delivered to the employer. Stop-work orders are effective against an affected employer s successor firm, corporation or partnership. Employers that receive a stop-work order may challenge the order with the DWC within 10 days of the date when the order was issued. The DWC will issue a decision on the stop-work order challenge within 48 hours of a hearing. Employers that fail to comply with a stop-work order are subject to a fine of between $1,000 and $5,000 for each day of violating the order. EMPLOYER IDENTIFICATION NUMBER Employers are required to submit their employer identification number to their insurance provider. This identification is issued by the New Jersey Department of Labor and Workforce Development. 2

3 Employers that refuse or fail to provide this number to their insurance provider may be ordered to pay a $1,000 penalty for each failure or refusal to provide this number. The penalty may be waived for employers that can show reasonable cause for not providing this information. Employers that are exempt from or not subject to the state s unemployment compensation laws may request their workers compensation insurance provider and the DWC to assign them an identification number. FAILURE TO PAY BENEFITS Employers that unreasonably or negligently delay or refuse to pay temporary disability compensation are subject to fines and penalties if they have actual knowledge or if they receive notice of an employee injury. The penalty may add an additional amount of compensation due to the injured employee, equal to up to 25 percent of the compensation that was originally due. Employers may also be required to compensate an injured employee for any reasonable legal fees he or she incurred to collect on any unpaid amount. The DWC will automatically assume that an employer has unreasonably or negligently delayed or refused to pay temporary disability compensation if the employer has not made any required payments within 30 days of when payment was required by law or court order. Employers that withhold lawful compensation from injured employees (or their dependents) for 60 days or more after a judgment or order for compensation is issued may be ordered to pay simple interest on any unpaid compensation, at a rate determined by a court. In addition, the DWC may impose a $1,000 fine and a penalty equal to 15 percent of the award due to an injured employee on any employer that fails to pay benefits as required by law. These penalties are payable to the Uninsured Employer s Fund (UEF). Employers that fail to pay these penalties to the fund within 10 days of when a notice of payment is mailed to them are subject to a judgment against them. CONTRIBUTIONS TO THE UNINSURED EMPLOYER S FUND (UEF) The UEF exists to provide benefits to injured employees when their employers do not have adequate workers compensation coverage or fail to make benefit payments. Unless an appeal is filed, the UEF covers unpaid medical and temporary disability benefits that remain unpaid after 45 days. The UEF does not generally cover any compensation not included in a workers compensation award. The DWC may require employers that default on their payment obligations to reimburse the fund for any payments made to an injured employee. JUDICIAL PENALTIES In addition to the penalties described above, a workers compensation judge may require an employer that has violated New Jersey s workers compensation laws to pay up to $5,000 for unreasonable delays in payment of benefits, simple interest on any unpaid amount and any reasonable legal fees required to enforce a judgment, order, statute or regulation. Workers compensation judges also have the discretion to close the proof or evidence, suppress or deny a claim, suppress or deny a defense, and even exclude evidence or witnesses against an employer that has violated New Jersey s workers compensation laws. Workers compensation judges may also hold contempt hearings for employers that fail to follow a court order. Any penalty or fine assessed against a violating employer will not count against the employer s expense base for the purpose of calculating that employer s future insurance rate. RETALIATION AND DISCRIMINATION New Jersey law prohibits employers from discharging or in any other way discriminating against an employee because the employee has claimed or attempted to claim workers compensation benefits. Similarly, employers are prohibited from discriminating against any employee who testifies or is about to testify against the employer in any workers compensation proceeding. 3

4 Employers that discriminate or retaliate against their employers may face a fine of between $100 and $1,000, imprisonment for up to 60 days or both. In addition, employers may be required to restore a discharged employee to his or her employment and compensate him or her for any loss of wages due to the discrimination or retaliation. An exception may be allowed if the employee is no longer qualified to perform the duties of the position. Employers cannot pass discrimination or retaliation liability or costs to their insurance providers. VIOLATION OF RECORDING AND REPORTING REQUIREMENTS Employers that violate recordkeeping and reporting requirements may be subject to a fine of between $10 and $50, and any other penalty specifically associated with a particular record or report. Accident Report, Final Report Employers may be required to pay a penalty of: $10 for the first time they fail to submit a report of injury or a final report; $25 for a second violation; and $50 for a third and any subsequent violations. Failure to submit a report includes failing to submit the report electronically, failing to supply required information to another party or failing to submit a complete and accurate report. Payment Reports In addition to injury reports, the DWC requires employers to maintain a record of the benefits they pay to injured employees. Employers must periodically submit these reports to the DWC for inspection. Employers that fail to submit a completed report by July 31 of each year may be subject to a $100 penalty for each 30-day period the report remains unfiled after July 31, up to a maximum of $500. Fraud Workers compensation fraud in New Jersey is a crime in the fourth degree, punishable by a fine of up to $10,000, imprisonment for up to 9 months or both. New Jersey workers compensation laws define fraud as purposely or knowingly: Making a false or misleading statement, representation or submission regarding a material fact of a workers compensation claim with the purpose of wrongfully obtaining benefits; Misclassifying employees or engaging in a deceptive leasing practice for the purpose of evading the full payment of benefits or insurance premiums; or Coercing, soliciting, encouraging (directly or through a third party) any individual to make a false or misleading statement, representation or submission of a material fact related to a claim for benefits or premiums for the purpose of wrongfully obtaining the benefits or evading the full payment of insurance premiums. In addition to any applicable criminal charges, employers or individuals that wrongfully obtain benefits or evade the full payment of insurance premiums through fraud may face civil penalties, including damages, reasonable costs and attorney fees. Individuals who obtain benefits through fraud may also lose the right to current and future benefits and may be required to repay any sum received, plus interest, to the employer or insurer that provided the benefits. The DWC may deduct a sufficient amount from future benefits to help repay fraudulently paid benefits. DESIGNATION OF CONTACT Employers are required to designate a contact person to be responsible for responding to any issue concerning medical and temporary disability benefits. The contact person must be able to answer concerns regarding unfiled claims or claim petitions that have not been answered. 4

5 Employers must provide to the DWC the contact person s full name, telephone number, address, address and fax number. Employers must also notify the DWC about any changes to the contact person s information. Employers that fail to comply with the contact person provisions may be ordered to pay a $2,500 fine for each day of noncompliance. MORE INFORMATION Contact Touchstone Consulting Group or visit the Division of Workers Compensation website for more information on workers' compensation laws in New Jersey. 5

Construction Industry Workers Compensation Coverage Act. Approved by the NCOIL Executive Committee on November 22, 2009.

Construction Industry Workers Compensation Coverage Act. Approved by the NCOIL Executive Committee on November 22, 2009. Construction Industry Workers Compensation Coverage Act Approved by the NCOIL Executive Committee on November 22, 2009. Table of Contents Page Numbers Section 1. Summary (1) Section 2. Definitions (1)

More information

MEMORANDUM. October 1,2008. Emergent Medical Care, Contact Person, Enforcement and UEF Rule Proposals

MEMORANDUM. October 1,2008. Emergent Medical Care, Contact Person, Enforcement and UEF Rule Proposals DEPARTMENT OF LABOR AND WORKFORCE DEVELOPMENT JON S. CORZINE PO BOX 381 DAVID J. SOCOLOW Governor TRENTON, NEW JERSEY 08625-0381 Commissioner MEMORANDUM October 1,2008 To: All Judges, Attorneys and Case

More information

Rights & Obligations under the Nebraska Workers Compensation Law

Rights & Obligations under the Nebraska Workers Compensation Law Nebraska Workers Compensation Court Information Sheet: Rights & Obligations under the Nebraska Workers Compensation Law NEBRASKA WORKERS COMPENSATION COURT OFFICIAL SEAL What is workers compensation? Workers

More information

AN EMPLOYER S GUIDE TO WORKERS COMPENSATION IN NEW JERSEY

AN EMPLOYER S GUIDE TO WORKERS COMPENSATION IN NEW JERSEY AN EMPLOYER S GUIDE TO WORKERS COMPENSATION IN NEW JERSEY I. WHAT IS WORKERS COMPENSATION?... 2 II. WORKERS COMPENSATION BENEFITS... 3 III. INSURANCE REQUIREMENTS... 4 Types of Coverage Definition of Employee

More information

EMPLOYMENT-RELATED PRACTICES LIABILITY ENDORSEMENT

EMPLOYMENT-RELATED PRACTICES LIABILITY ENDORSEMENT POLICY NUMBER: CL CG 04 57 07 09 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT-RELATED PRACTICES LIABILITY ENDORSEMENT This endorsement modifies insurance provided under the

More information

EMPLOYEE BENEFITS LIABILITY COVERAGE

EMPLOYEE BENEFITS LIABILITY COVERAGE POLICY NUMBER: COMMERCIAL GENERAL LIABILITY CG 04 35 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS-MADE COVERAGE.

More information

NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN

NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN NEW MEXICO SELF-INSURERS' FUND WORKERS' COMPENSATION AND EMPLOYERS' LIABILITY PLAN In return for the payment of the premium and subject to all terms of this Policy, we agree with you as follows. GENERAL

More information

Utah Labor Commission Industrial Accidents Division. Employers Guide to. Workers Compensation

Utah Labor Commission Industrial Accidents Division. Employers Guide to. Workers Compensation 2015 2016 Utah Labor Commission Industrial Accidents Division E m p l o y e r s G u i d e Employers Guide to Workers Compensation Utah Labor Commission Industrial Accidents Division Employers Guide to

More information

Wisconsin Contractors Institute. Worker s Compensation Laws

Wisconsin Contractors Institute. Worker s Compensation Laws Wisconsin Contractors Institute Worker s Compensation Laws For more information: Website: www.wicontractorsinstitute.com Email: questions@wicontractorsinstitute.com Phone: 262-293-6850 Chapter 5 - Wisconsin

More information

North Carolina Interlocal Risk Management Agency (NCIRMA) Workers Compensation and Employers Liability Insurance Policy

North Carolina Interlocal Risk Management Agency (NCIRMA) Workers Compensation and Employers Liability Insurance Policy North Carolina Interlocal Risk Management Agency (NCIRMA) Workers Compensation and Employers Liability Insurance Policy WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY QUICK REFERENCE Beginning

More information

POLICY ON THE FALSE CLAIMS ACTS

POLICY ON THE FALSE CLAIMS ACTS EAST ORANGE GENERAL HOSPITAL COMPLIANCE POLICY Title: Policy on The False Claims Acts Code No.: Section: Corporate Compliance Effective Date: March 1, 2015 Approved by: Compliance Officer Publication Status:

More information

Chapter 213. Enforcement of Texas Unemployment Compensation Act... 2 Subchapter A. General Enforcement Provisions... 2 Sec. 213.001.

Chapter 213. Enforcement of Texas Unemployment Compensation Act... 2 Subchapter A. General Enforcement Provisions... 2 Sec. 213.001. Chapter 213. Enforcement of Texas Unemployment Compensation Act... 2 Subchapter A. General Enforcement Provisions... 2 Sec. 213.001. Representation in Court... 2 Sec. 213.002. Prosecution of Criminal Actions...

More information

INDUSTRIAL COMMISSION OF ARIZONA

INDUSTRIAL COMMISSION OF ARIZONA INDUSTRIAL COMMISSION OF ARIZONA WORKERS COMPENSATION INFORMATION FOR THE INJURED WORKER Phoenix Office: Industrial Commission of Arizona 800 W. Washington Street Phoenix, Arizona 85007-2922 Claims Phone:

More information

EMPLOYEE BENEFITS LIABILITY COVERAGE

EMPLOYEE BENEFITS LIABILITY COVERAGE POLICY NUMBER: COMMERCIAL LIABILITY UMBRELLA CU 04 03 12 07 THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYEE BENEFITS LIABILITY COVERAGE THIS ENDORSEMENT PROVIDES CLAIMS-MADE COVERAGE.

More information

PUBLIC ENTITY RISK MANAGEMENT AUTHORITY MEMORANDUM OF WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE

PUBLIC ENTITY RISK MANAGEMENT AUTHORITY MEMORANDUM OF WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE PUBLIC ENTITY RISK MANAGEMENT AUTHORITY MEMORANDUM OF WORKERS COMPENSATION AND EMPLOYERS LIABILITY COVERAGE FOR THE PERIOD JULY 1, 2015 TO JUNE 30, 2016 EFFECTIVE: JULY 1, 2015 PUBLIC ENTITY RISK MANAGEMENT

More information

Kansas Division of Workers Compensation Fraud and Abuse Unit Annual Report FY2004 Paula S. Greathouse, Director

Kansas Division of Workers Compensation Fraud and Abuse Unit Annual Report FY2004 Paula S. Greathouse, Director Kansas Division of Workers Compensation Fraud and Abuse Unit Annual Report FY2004 Paula S. Greathouse, Director Division of Workers Compensation Kansas Department of Human Resources 800 SW Jackson Topeka,

More information

CALIFORNIA FALSE CLAIMS ACT GOVERNMENT CODE SECTION 12650-12656

CALIFORNIA FALSE CLAIMS ACT GOVERNMENT CODE SECTION 12650-12656 CALIFORNIA FALSE CLAIMS ACT GOVERNMENT CODE SECTION 12650-12656 12650. (a) This article shall be known and may be cited as the False Claims Act. (b) For purposes of this article: (1) "Claim" includes any

More information

THE GENERAL ASSEMBLY OF PENNSYLVANIA SENATE BILL INTRODUCED BY GORDNER, BAKER, EICHELBERGER, RAFFERTY, FOLMER, VULAKOVICH AND MENSCH, JUNE 8, 2015

THE GENERAL ASSEMBLY OF PENNSYLVANIA SENATE BILL INTRODUCED BY GORDNER, BAKER, EICHELBERGER, RAFFERTY, FOLMER, VULAKOVICH AND MENSCH, JUNE 8, 2015 PRINTER'S NO. THE GENERAL ASSEMBLY OF PENNSYLVANIA SENATE BILL No. Session of 0 INTRODUCED BY GORDNER, BAKER, EICHELBERGER, RAFFERTY, FOLMER, VULAKOVICH AND MENSCH, JUNE, 0 REFERRED TO LABOR AND INDUSTRY,

More information

HOUSE BILL No. 2087. By Committee on Insurance 1-26. AN ACT enacting the Kansas professional employer organization licensing

HOUSE BILL No. 2087. By Committee on Insurance 1-26. AN ACT enacting the Kansas professional employer organization licensing Session of 00 HOUSE BILL No. 0 By Committee on Insurance - 0 0 AN ACT enacting the Kansas professional employer organization licensing act. Be it enacted by the Legislature of the State of Kansas: Section.

More information

Professional Risk Facilities,

Professional Risk Facilities, P R F Professional Risk Facilities, MISCELLANEOUS PROFESSIONAL LIABILITY ERRORS & OMISSIONS APPLICATION NOTICE: THIS IS AN APPLICATION FOR A CLAIMS-MADE AND REPORTED POLICY WHICH, SUBJECT TO ITS PROVISIONS,

More information

I ve been hurt at work. What do I do / to whom must I give notice of my accident and by what date?

I ve been hurt at work. What do I do / to whom must I give notice of my accident and by what date? WORKER: I ve been hurt at work. What do I do / to whom must I give notice of my accident and by what date? In general, you must give your employer or your supervisor written notice within 15 days after

More information

ERRORS & OMISSIONS INSURANCE APPLICATION

ERRORS & OMISSIONS INSURANCE APPLICATION ERRORS & OMISSIONS INSURANCE APPLICATION UNDERWRITING OFFICE: 14643 Dallas Parkway Suite 770 Dallas, TX 75254 THIS IS AN APPLICATION FOR A CLAIMS MADE AND REPORTED POLICY. THIS POLICY APPLIES ONLY TO THOSE

More information

Insurance and Waivers

Insurance and Waivers Loyola Law School & U. S. Department of Labor OWCP DBA Conference October 2008 Insurance and Waivers John Chamberlain Office of Workers Compensation Programs Division of Longshore & Harbor Workers Compensation

More information

WORKERS CO MPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY

WORKERS CO MPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WORKERS CO MPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY ABCDEFGHIJ In return for the payment of the premium and subject to all terms of this policy, we agree with you as follows: GENERAL SECTION

More information

HP0868, LD 1187, item 1, 123rd Maine State Legislature An Act To Recoup Health Care Funds through the Maine False Claims Act

HP0868, LD 1187, item 1, 123rd Maine State Legislature An Act To Recoup Health Care Funds through the Maine False Claims Act PLEASE NOTE: Legislative Information cannot perform research, provide legal advice, or interpret Maine law. For legal assistance, please contact a qualified attorney. Be it enacted by the People of the

More information

FEDERAL LAWS RELATING TO FRAUD, WASTE AND ABUSE

FEDERAL LAWS RELATING TO FRAUD, WASTE AND ABUSE FEDERAL LAWS RELATING TO FRAUD, WASTE AND ABUSE FEDERAL CIVIL FALSE CLAIMS ACT The federal civil False Claims Act, 31 U.S.C. 3729, et seq., ( FCA ) was originally enacted in 1863 to combat fraud perpetrated

More information

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WC 00 00 00 A (Ed. 4-92) WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY PLEASE READ THE POLICY CAREFULLY. QUICK REFERENCE BEGINNING ON PAGE INFORMATION PAGE GENERAL SECTION... 2 A. The Policy...

More information

APPLICATION FOR EMPLOYMENT PRACTICES LIABILITY INSURANCE

APPLICATION FOR EMPLOYMENT PRACTICES LIABILITY INSURANCE APPLICATION FOR EMPLOYMENT PRACTICES LIABILITY INSURANCE NOTICE: THE POLICY FOR WHICH APPLICATION IS MADE APPLIES ONLY TO CLAIMS FIRST MADE DURING THE POLICY PERIOD AND REPORTED TO THE COMPANY DURING THE

More information

Virginia Workers Compensation Commission Frequently Asked Insurance Questions for Employers

Virginia Workers Compensation Commission Frequently Asked Insurance Questions for Employers Virginia Workers Compensation Commission Frequently Asked Insurance Questions for Employers The information contained below is general in nature and is not intended and may not be considered as providing

More information

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY

WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY WORKERS COMPENSATION AND EMPLOYERS LIABILITY INSURANCE POLICY In return for the payment of the premium and subject to all terms of this policy, we agree with you as follows: General Section A. The Policy

More information

EMPLOYMENT PRACTICES LIABILITY INSURANCE COVERAGE PART ENDORSEMENT

EMPLOYMENT PRACTICES LIABILITY INSURANCE COVERAGE PART ENDORSEMENT THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. CF-2102 (Ed. 9-15) EMPLOYMENT PRACTICES LIABILITY INSURANCE COVERAGE PART ENDORSEMENT THIS ENDORSEMENT PROVIDES CLAIMS MADE AND REPORTED COVERAGE.

More information

PUBLIC ENTITY POLICY LAW ENFORCEMENT LIABILITY COVERAGE FORM OCCURRENCE COVERAGE

PUBLIC ENTITY POLICY LAW ENFORCEMENT LIABILITY COVERAGE FORM OCCURRENCE COVERAGE A Stock Insurance Company, herein called the Company PUBLIC ENTITY POLICY LAW ENFORCEMENT LIABILITY COVERAGE FORM OCCURRENCE COVERAGE Various provisions in this policy restrict coverage. Please read the

More information

COURT REPORTERS ERRORS AND OMISSIONS INSURANCE APPLICATION CLAIMS MADE POLICY

COURT REPORTERS ERRORS AND OMISSIONS INSURANCE APPLICATION CLAIMS MADE POLICY United National Insurance Company United National Specialty Insurance Company Penn-Star Insurance Company A Stock Company Bala Cynwyd, PA Administrative Offices: Three Bala Plaza East, Suite 300 Bala Cynwyd,

More information

EMPLOYEE BENEFITS LIABILITY COVERAGE FORM

EMPLOYEE BENEFITS LIABILITY COVERAGE FORM EMPLOYEE BENEFITS LIABILITY COVERAGE FORM THIS FORM PROVIDES CLAIMS MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage. Read the entire policy carefully

More information

QUESTIONS AND ANSWERS ABOUT CHAPTER 13 BANKRUPTCIES 1

QUESTIONS AND ANSWERS ABOUT CHAPTER 13 BANKRUPTCIES 1 QUESTIONS AND ANSWERS ABOUT CHAPTER 7 BANKRUPTCIES What is a Chapter 7 bankruptcy and how does it work? A Chapter 7 bankruptcy case is a proceeding under federal law in which the Debtor seeks relief under

More information

4123-17-15 Professional employer organizations.

4123-17-15 Professional employer organizations. 4123-17-15 Professional employer organizations. (A) Definitions. As used in rules 4123-17-15 to 4123-17-15.7 of the Administrative Code: (1) "Professional employer organization" or "PEO" has the same meaning

More information

FIDUCIARY LIABILITY COVERAGE PART

FIDUCIARY LIABILITY COVERAGE PART FIDUCIARY LIABILITY COVERAGE PART I. INSURING AGREEMENTS Fiduciary Liability The Insurer shall pay Loss on behalf of the Insureds resulting from a Fiduciary Claim first made against the Insureds during

More information

NJ Department of Labor Division of Workers Compensation. Task Force on the Uninsured Employers Fund FINAL REPORT

NJ Department of Labor Division of Workers Compensation. Task Force on the Uninsured Employers Fund FINAL REPORT NJ Department of Labor Division of Workers Compensation Task Force on the Uninsured Employers Fund FINAL REPORT Submitted May 12, 2003 Renee Ricciardelli Administrative Supervising Judge of Compensation

More information

Workers' Compensation in Oklahoma Employer s Rights & Responsibilities

Workers' Compensation in Oklahoma Employer s Rights & Responsibilities Workers' Compensation in Oklahoma Employer s Rights & Responsibilities The information provided in this pamphlet is general in nature and for informational purposes only. It is not intended to be a legal

More information

Workers' Compensation in Oklahoma Employer s Rights & Responsibilities

Workers' Compensation in Oklahoma Employer s Rights & Responsibilities Workers' Compensation in Oklahoma Employer s Rights & Responsibilities Workers Compensation Court Counselor Program 1915 N. Stiles Avenue, Oklahoma City, OK 73105 210 Kerr State Office Bldg, 440 S. Houston,

More information

Substitute for HOUSE BILL No. 2024

Substitute for HOUSE BILL No. 2024 Substitute for HOUSE BILL No. 2024 AN ACT enacting the Kansas roofing contractor registration act. Be it enacted by the Legislature of the State of Kansas: Section 1. Sections 1 through 18, and amendments

More information

Nebraska Loan Broker Act Chapter 45, Article 1, Section f 45-189 to 45-193

Nebraska Loan Broker Act Chapter 45, Article 1, Section f 45-189 to 45-193 45-189 Loan brokers; legislative findings. The Legislature finds that: Nebraska Loan Broker Act Chapter 45, Article 1, Section f 45-189 to 45-193 (1) Many professional groups are presently licensed or

More information

INDEPENDENT CONTRACTOR AGREEMENT (Between Broker and Licensee)

INDEPENDENT CONTRACTOR AGREEMENT (Between Broker and Licensee) INDEPENDENT CONTRACTOR AGREEMENT (Between Broker and Licensee) This Independent Contractor Agreement ( Agreement ), is made between Realtyka LLC ( Broker ), operating under the assumed name Real and (

More information

Guide for Employers. Introduction: What is Workers' Compensation? Payments for wages lost as a result of work-related injuries or illnesses;

Guide for Employers. Introduction: What is Workers' Compensation? Payments for wages lost as a result of work-related injuries or illnesses; Guide for Employers This is a guide to Oklahoma workers' compensation law and rules. It is based on laws and rules in effect in 2015. Laws and rules can change by acts of the Legislature, rulemaking by

More information

NPSA GENERAL PROVISIONS

NPSA GENERAL PROVISIONS NPSA GENERAL PROVISIONS 1. Independent Contractor. A. It is understood and agreed that CONTRACTOR (including CONTRACTOR s employees) is an independent contractor and that no relationship of employer-employee

More information

NOYES HEALTH ADMINISTRATION POLICY/PROCEDURE

NOYES HEALTH ADMINISTRATION POLICY/PROCEDURE NOYES HEALTH ADMINISTRATION POLICY/PROCEDURE SUBJECT: DETECTION AND PREVENTION OF POLICY: 200.161 FRAUD, WASTE, AND ABUSE EFFECTIVE DATE: June, 2012 ISSUED BY: Administration TJC REF: None PAGE: 1 OF 5

More information

RULES OF TENNESSEE DEPARTMENT OF LABOR AND WORKFORCE DEVELOPMENT DIVISION OF WORKERS COMPENSATION CHAPTER 0800-2-15 UNINSURED EMPLOYERS FUND

RULES OF TENNESSEE DEPARTMENT OF LABOR AND WORKFORCE DEVELOPMENT DIVISION OF WORKERS COMPENSATION CHAPTER 0800-2-15 UNINSURED EMPLOYERS FUND RULES OF TENNESSEE DEPARTMENT OF LABOR AND WORKFORCE DEVELOPMENT DIVISION OF WORKERS COMPENSATION CHAPTER 0800-2-15 UNINSURED EMPLOYERS FUND TABLE OF CONTENTS 0800-2-15-.01 Definitions 0800-2-15-.10 Representation

More information

EMPLOYMENT PRACTICES LIABILITY ENDORSEMENT

EMPLOYMENT PRACTICES LIABILITY ENDORSEMENT ENDORSEMENT NO: This endorsement, effective 12:01 am, policy number forms part of issued to: by: THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY. EMPLOYMENT PRACTICES LIABILITY ENDORSEMENT

More information

LMCIT Service Contract Insurance Recommendations

LMCIT Service Contract Insurance Recommendations LMCIT Service Contract Insurance Recommendations The type and amount of insurance should be determined on a case-by case basis dependent upon various factors such as the scope of work and the potential

More information

SB 588. Employment: nonpayment of wages: Labor Commissioner: judgment enforcement.

SB 588. Employment: nonpayment of wages: Labor Commissioner: judgment enforcement. SB 588. Employment: nonpayment of wages: Labor Commissioner: judgment enforcement. (1) The Enforcement of Judgments Law provides for the enforcement of money judgments and other civil judgments. Under

More information

APPLICATION FOR EMPLOYED LAWYERS PROFESSIONAL LIABILITY INSURANCE

APPLICATION FOR EMPLOYED LAWYERS PROFESSIONAL LIABILITY INSURANCE Executive Risk Management Associates 82 Hopmeadow Street Simsbury, Connecticut 06070-7683 APPLICATION FOR EMPLOYED LAWYERS PROFESSIONAL LIABILITY INSURANCE THIS APPLICATION IS FOR CLAIMS MADE AND REPORTED

More information

REFERENCE ACTION ANALYST STAFF DIRECTOR or BUDGET/POLICY CHIEF. 1) Insurance & Banking Subcommittee 11 Y, 0 N Reilly Cooper.

REFERENCE ACTION ANALYST STAFF DIRECTOR or BUDGET/POLICY CHIEF. 1) Insurance & Banking Subcommittee 11 Y, 0 N Reilly Cooper. HOUSE OF REPRESENTATIVES STAFF ANALYSIS BILL #: CS/CS/HB 271 Workers' Compensation SPONSOR(S): Regulatory Affairs Committee; Government Operations Appropriations Subcommittee; Cummings and others TIED

More information

A summary of administrative remedies found in the Program Fraud Civil Remedies Act

A summary of administrative remedies found in the Program Fraud Civil Remedies Act BLACK HILLS SPECIAL SERVICES COOPERATIVE'S POLICY TO PROVIDE EDUCATION CONCERNING FALSE CLAIMS LIABILITY, ANTI-RETALIATION PROTECTIONS FOR REPORTING WRONGDOING AND DETECTING AND PREVENTING FRAUD, WASTE

More information

LAWYERS PROFESSIONAL LIABILITY INSURANCE APPLICATION

LAWYERS PROFESSIONAL LIABILITY INSURANCE APPLICATION DARWIN NATIONAL ASSURANCE COMPANY 1690 New Britain Avenue, Suite 101, Farmington, CT 06032 Tel. (860) 284-1300 Fax (860) 284-1301 LAWYERS PROFESSIONAL LIABILITY INSURANCE APPLICATION NOTICE: THE POLICY

More information

Division of Workers' Compensation

Division of Workers' Compensation 1 of 5 10/14/2010 11:32 AM Division of Workers' Compensation Frequently Asked Questions Employer FAQs Who needs Workers' Compensation coverage? How does an employer obtain workers' compensation insurance?

More information

WORKER S COMPENSATION INSURANCE REQUIREMENTS IN WISCONSIN

WORKER S COMPENSATION INSURANCE REQUIREMENTS IN WISCONSIN WORKER S COMPENSATION INSURANCE REQUIREMENTS IN WISCONSIN Department of Workforce Development Worker s Compensation Division Bureau of Insurance Programs 201 E. Washington Ave., Rm. C100 P.O. Box 7901

More information

LEGISLATIVE BILL 951

LEGISLATIVE BILL 951 LEGISLATURE OF NEBRASKA ONE HUNDRED THIRD LEGISLATURE SECOND SESSION LEGISLATIVE BILL Introduced by Lautenbaugh,. Read first time January, 0 Committee: Business and Labor A BILL FOR AN ACT relating to

More information

Liquor. (Occurrence Form)

Liquor. (Occurrence Form) Liquor LIABILITY INSURANCE POLICY (Occurrence Form) 95A Turnpike Road Westborough, MA 01581 (508) 366-1140 THIS POLICY JACKET WITH THE Liquor LIABILITY POLICY FORM, DECLARATIONS PAGE AND ENDORSEMENTS,

More information

5037 Employee Education About False Claims Recovery 5037. The purpose of this policy is to educate employees, contractors, and agents on

5037 Employee Education About False Claims Recovery 5037. The purpose of this policy is to educate employees, contractors, and agents on 5037 Employee Education About False Claims Recovery 5037 The purpose of this policy is to educate employees, contractors, and agents on the requirements of the Deficit Reduction Act (DRA) of 2005 which

More information

TITLE 34. LABOR AND WORKERS' COMPENSATION CHAPTER 19. CONSCIENTIOUS EMPLOYEE PROTECTION ACT. N.J. Stat. 34:19-1 (2007)

TITLE 34. LABOR AND WORKERS' COMPENSATION CHAPTER 19. CONSCIENTIOUS EMPLOYEE PROTECTION ACT. N.J. Stat. 34:19-1 (2007) TITLE 34. LABOR AND WORKERS' COMPENSATION CHAPTER 19. CONSCIENTIOUS EMPLOYEE PROTECTION ACT N.J. Stat. 34:19-1 (2007) 34:19-1. Short title This act shall be known and may [be] cited as the "Conscientious

More information

Key Provisions of Tennessee Senate Bill 200 Effective July 1, 2014, through July 1, 2016

Key Provisions of Tennessee Senate Bill 200 Effective July 1, 2014, through July 1, 2016 2014 Construction of Statute Definition of Injury (Causation) Revises Section 50-6-116, Construction of Chapter, to indicate that for dates of injury on or after July 1, 2014, the chapter should no longer

More information

Chapter No. 972] PUBLIC ACTS, 2000 1 CHAPTER NO. 972 HOUSE BILL NO. 2319. By Representative Kisber. Substituted for: Senate Bill No.

Chapter No. 972] PUBLIC ACTS, 2000 1 CHAPTER NO. 972 HOUSE BILL NO. 2319. By Representative Kisber. Substituted for: Senate Bill No. Chapter No. 972] PUBLIC ACTS, 2000 1 CHAPTER NO. 972 HOUSE BILL NO. 2319 By Representative Kisber Substituted for: Senate Bill No. 2382 By Senator Clabough AN ACT to amend Tennessee Code Annotated, Title

More information

A Bill Regular Session, 2015 SENATE BILL 830

A Bill Regular Session, 2015 SENATE BILL 830 Stricken language would be deleted from and underlined language would be added to present law. State of Arkansas 90th General Assembly A Bill Regular Session, 2015 SENATE BILL 830 By: Senator D. Sanders

More information

INSURANCE COMPANY PROFESSIONAL LIABILITY INSURANCE APPLICATION

INSURANCE COMPANY PROFESSIONAL LIABILITY INSURANCE APPLICATION i NAME OF INSURANCE COMPANY TO WHICH APPLICATION IS MADE: (herein called the Company) INSURANCE COMPANY PROFESSIONAL LIABILITY INSURANCE APPLICATION IF A POLICY IS ISSUED, IT WILL BE ON A CLAIMS-MADE BASIS

More information

ERRORS & OMISSIONS RENEWAL APPLICATION

ERRORS & OMISSIONS RENEWAL APPLICATION ERRORS & OMISSIONS RENEWAL APPLICATION UNDERWRITING OFFICE: 14643 Dallas Parkway Suite 770 Dallas, TX 75254 THIS IS AN APPLICATION FOR A CLAIMS MADE AND REPORTED POLICY. THIS POLICY APPLIES ONLY TO THOSE

More information

FIDUCIARY LIABILITY COVERAGE PART

FIDUCIARY LIABILITY COVERAGE PART FIDUCIARY LIABILITY COVERAGE PART I. INSURING AGREEMENTS Fiduciary Liability The Insurer shall pay Loss on behalf of the Insureds resulting from a Fiduciary Claim first made against the Insureds during

More information

Fair Debt Collection Practices Act 1

Fair Debt Collection Practices Act 1 Fair Debt Collection Practices Act 1 The Fair Debt Collection Practices Act (FDCPA)(15 U.S.C. 1692 et seq.), which became effective March 20, 1978, was designed to eliminate abusive, deceptive, and unfair

More information

THE HARTFORD PROFESSIONAL CHOICE LIABILITY POLICY INSURANCE APPLICATION

THE HARTFORD PROFESSIONAL CHOICE LIABILITY POLICY INSURANCE APPLICATION Name of Insurance Company to which Application is made THE HARTFORD PROFESSIONAL CHOICE LIABILITY POLICY INSURANCE APPLICATION This is an application for a CLAIMS-MADE AND REPORTED Policy If a policy is

More information

SPECIMEN. (1) advising, counseling or giving notice to employees, participants or beneficiaries with respect to any Plan;

SPECIMEN. (1) advising, counseling or giving notice to employees, participants or beneficiaries with respect to any Plan; In consideration of payment of the premium and subject to the Declarations, limitations, conditions, provisions and other terms of this Policy, the Company and the Insureds agree as follows: I. INSURING

More information

EMPLOYMENT PRACTICES LIABILITY INSURANCE SUPPLEMENTAL APPLICATION

EMPLOYMENT PRACTICES LIABILITY INSURANCE SUPPLEMENTAL APPLICATION EMPLOYMENT PRACTICES LIABILITY INSURANCE SUPPLEMENTAL APPLICATION NOTICES: THE EMPLOYMENT PRACTICES LIABILITY COVERAGE PART/ENDORSEMENT PROVIDES THAT THE LIMIT OF LIABILITY AVAILABLE TO PAY JUDGMENTS OR

More information

ACE Advantage. Employed Lawyers Professional Liability Application

ACE Advantage. Employed Lawyers Professional Liability Application ACE American Insurance Company Illinois Union Insurance Company Westchester Fire Insurance Company Westchester Surplus Lines Insurance Company ACE Advantage Employed Lawyers Professional Liability Application

More information

EDUCATION ABOUT FALSE CLAIMS RECOVERY

EDUCATION ABOUT FALSE CLAIMS RECOVERY Type: MGI Corporate Policy Number: M 700 Effective Date: June 2014 Supersedes: AP 201, 4/12 Revised: 6/14 EDUCATION ABOUT FALSE CLAIMS RECOVERY I. PURPOSE This policy is intended to ensure compliance with

More information

RULES OF TENNESSEE DEPARTMENT OF LABOR DIVISION OF WORKER S COMPENSATION CHAPTER 0800-02-01 GENERAL RULES OF THE WORKERS COMPENSATION PROGRAM

RULES OF TENNESSEE DEPARTMENT OF LABOR DIVISION OF WORKER S COMPENSATION CHAPTER 0800-02-01 GENERAL RULES OF THE WORKERS COMPENSATION PROGRAM RULES OF TENNESSEE DEPARTMENT OF LABOR DIVISION OF WORKER S COMPENSATION CHAPTER 0800-02-01 GENERAL RULES OF THE WORKERS COMPENSATION PROGRAM TABLE OF CONTENTS 0800-02-01-.01 Purpose and Scope 0800-02-01-.15

More information

CITY COUNTY INSURANCE SERVICES TRUST WORKERS' COMPENSATION COVERAGE AGREEMENT

CITY COUNTY INSURANCE SERVICES TRUST WORKERS' COMPENSATION COVERAGE AGREEMENT CITY COUNTY INSURANCE SERVICES TRUST WORKERS' COMPENSATION COVERAGE AGREEMENT Various provisions of this agreement restrict coverage. Read the entire coverage agreement carefully to determine rights, duties,

More information

STATE OF OKLAHOMA. 2nd Session of the 53rd Legislature (2012) COMMITTEE SUBSTITUTE

STATE OF OKLAHOMA. 2nd Session of the 53rd Legislature (2012) COMMITTEE SUBSTITUTE STATE OF OKLAHOMA nd Session of the rd Legislature () COMMITTEE SUBSTITUTE FOR HOUSE BILL NO. 0 By: Stiles COMMITTEE SUBSTITUTE An Act relating to professions and occupations; amending O.S., Sections.,.,.,.,.,.,.,.,.

More information

GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2007 S 1 SENATE BILL 1198

GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 2007 S 1 SENATE BILL 1198 GENERAL ASSEMBLY OF NORTH CAROLINA SESSION 0 S SENATE BILL Short Title: Regulate Debt Settlement. Sponsors: Senators Clodfelter; and Berger of Rockingham. Referred to: Commerce, Small Business and Entrepreneurship.

More information

PITTSBURGH CARE PARTNERSHIP, INC. COMMUNITY LIFE PROGRAM POLICY AND PROCEDURE MANUAL. False Claims Act Explanation and Reporting Requirements

PITTSBURGH CARE PARTNERSHIP, INC. COMMUNITY LIFE PROGRAM POLICY AND PROCEDURE MANUAL. False Claims Act Explanation and Reporting Requirements SUBJECT: False Claims Act Explanation and Reporting Requirements NUMBER: 1004 CROSS REFERENCE NUMBER: 1823 REG. REF.: 31 U.S.C. 37-29 PURPOSE: POLICY: The purposes of this policy are to describe the Federal

More information

LIQUOR LIABILITY COVERAGE FORM

LIQUOR LIABILITY COVERAGE FORM COMMERCIAL GENERAL LIABILITY CG 00 34 12 07 LIQUOR LIABILITY COVERAGE FORM THIS FORM PROVIDES CLAIMS-MADE COVERAGE. PLEASE READ THE ENTIRE FORM CAREFULLY. Various provisions in this policy restrict coverage.

More information

MINNESOTA FALSE CLAIMS ACT

MINNESOTA FALSE CLAIMS ACT . MINNESOTA FALSE CLAIMS ACT Sec. 24. [15C.01] DEFINITIONS. Subdivision 1. Scope. For purposes of this chapter, the terms in this section have the meanings given them. Subd. 2. Claim. "Claim" includes

More information

2013 Nuts & Bolts Seminar Coralville

2013 Nuts & Bolts Seminar Coralville 2013 Nuts & Bolts Seminar Coralville LITIGATION TRACK Work Comp 101 2:30 pm.-3:30 p.m. Presented by Tim Semelroth RSH Legal 425 Second Street SE, Suite 1140 Cedar Rapids, Iowa 52401 Phone: 319-365-9200

More information

WORKING DRAFT. Proposed Employee Misclassification Workers Compensation Coverage Model Act

WORKING DRAFT. Proposed Employee Misclassification Workers Compensation Coverage Model Act WORKING DRAFT Proposed Employee Misclassification Workers Compensation Coverage Model Act To be considered by the NCOIL Workers Compensation Insurance Committee on July 10, 2009. Sponsored for discussion

More information

Fair Debt Collection Practices Act

Fair Debt Collection Practices Act Background The Fair Debt Collection Practices Act (FDCPA) (15 USC 1692 et seq.), which became effective in March 1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices.

More information

Form 2501 General Information (Application for Registration as an Athlete Agent)

Form 2501 General Information (Application for Registration as an Athlete Agent) Form 2501 General Information (Application for Registration as an Athlete Agent) The attached form is designed to meet minimal statutory filing requirements pursuant to the relevant code provisions. This

More information

TITLE 85 EXEMPT LEGISLATIVE RULE WORKERS' COMPENSATION RULES OF THE WEST VIRGINIA INSURANCE COMMISSIONER

TITLE 85 EXEMPT LEGISLATIVE RULE WORKERS' COMPENSATION RULES OF THE WEST VIRGINIA INSURANCE COMMISSIONER TITLE 85 EXEMPT LEGISLATIVE RULE WORKERS' COMPENSATION RULES OF THE WEST VIRGINIA INSURANCE COMMISSIONER SERIES 9 WORKERS COMPENSATION UNINSURED EMPLOYERS FUND Section 85-9-1. General. 85-9-2. Definitions.

More information

JEWELRY APPRAISERS ERRORS AND OMISSIONS INSURANCE APPLICATION CLAIMS MADE POLICY

JEWELRY APPRAISERS ERRORS AND OMISSIONS INSURANCE APPLICATION CLAIMS MADE POLICY United National Insurance Company United National Specialty Insurance Company Penn-Star Insurance Company A Stock Company Bala Cynwyd, PA Administrative Offices: Three Bala Plaza East, Suite 300 Bala Cynwyd,

More information

INFORMATION FOR ASBESTOS HANDLING LICENSE APPLICANTS

INFORMATION FOR ASBESTOS HANDLING LICENSE APPLICANTS STATE OF NEW YORK > DEPARTMENT OF LABOR DIVISION OF SAFETY AND HEALTH LICENSE AND CERTIFICATE UNIT BUILDING 12, ROOM 161 STATE CAMPUS ALBANY, NY 12240 (518) 457>2735 GENERAL INFORMATION INFORMATION FOR

More information

Errors and Omissions Insurance. 1.0 Introduction and Definition

Errors and Omissions Insurance. 1.0 Introduction and Definition Errors and Omissions Insurance 1.0 Introduction and Definition 1.1 Under the terms of this policy the word employee means any trustee of the Board of Education, any employee of the Hicksville Board of

More information

(2) [ ] of [ ] (the Indemnified Person). The Indemnified Person is a director of the Company.

(2) [ ] of [ ] (the Indemnified Person). The Indemnified Person is a director of the Company. ALL DIRECTORS OF COMPASS GROUP PLC THIS DEED OF INDEMNITY is made the day of [2006] BETWEEN (1) COMPASS GROUP PLC, a public limited company registered in England and Wales with company number 04083914

More information

Accountability Report Card Summary 2013 Massachusetts

Accountability Report Card Summary 2013 Massachusetts Accountability Report Card Summary 2013 Massachusetts Massachusetts has a relatively good state whistleblower law: Scoring 64 out of a possible 100 points; and Ranking 11 th out of 51 (50 states and the

More information

VII 3.1. VII. Unfair and Deceptive Practices FDCPA. Fair Debt Collection Practices Act. Introduction. Communications Connected with Debt Collection

VII 3.1. VII. Unfair and Deceptive Practices FDCPA. Fair Debt Collection Practices Act. Introduction. Communications Connected with Debt Collection Fair Debt Collection Practices Act Introduction The Fair Debt Collection Practices Act (FDCPA), effective in 1978, was designed to eliminate abusive, deceptive, and unfair debt collection practices. The

More information

TORUS NATIONAL INSURANCE COMPANY Harborside Financial Center Plaza 5, Suite 2900 Jersey City, New Jersey 07311 888-220-8477

TORUS NATIONAL INSURANCE COMPANY Harborside Financial Center Plaza 5, Suite 2900 Jersey City, New Jersey 07311 888-220-8477 TORUS NATIONAL INSURANCE COMPANY Harborside Financial Center Plaza 5, Suite 2900 Jersey City, New Jersey 07311 888-220-8477 APPLICATION FOR EMPLOYMENT PRACTICES LIABILITY INSURANCE NOTICE TO ALL APPLICANTS:

More information

PUBLIC OFFICIALS LIABILITY INSURANCE APPLICATION CLAIMS MADE POLICY FORM

PUBLIC OFFICIALS LIABILITY INSURANCE APPLICATION CLAIMS MADE POLICY FORM PUBLIC OFFICIALS LIABILITY INSURANCE APPLICATION CLAIMS MADE POLICY FORM ALL QUESTIONS MUST BE COMPLETED IN ORDER TO REVIEW FOR QUOTATION. THIS POLICY IS NOT AN AUTOMATIC RENEWAL. AN APPLICATION MUST BE

More information

BACK CHILD SUPPORT. The following is an explanation of how child support is ordered, and what happens if it isn t paid.

BACK CHILD SUPPORT. The following is an explanation of how child support is ordered, and what happens if it isn t paid. BACK CHILD SUPPORT Once it has been ordered and has not been paid on time, unpaid child support becomes a judgment by operation of law. The amount of child support that has not been paid on time is called

More information

History: Add. 1971, Act 19, Imd. Eff. May 5, 1971; Am. 1976, Act 89, Imd. Eff. Apr. 17, 1976.

History: Add. 1971, Act 19, Imd. Eff. May 5, 1971; Am. 1976, Act 89, Imd. Eff. Apr. 17, 1976. MOTOR VEHICLE ACCIDENT CLAIMS ACT Act 198 of 1965 AN ACT providing for the establishment, maintenance and administration of a motor vehicle accident claims fund for the payment of damages for injury to

More information

Application for Educators Legal Liability Insurance Coverage

Application for Educators Legal Liability Insurance Coverage Application for Educators Legal Liability Insurance Coverage THIS APPLICATION IS FOR A CLAIMS-MADE AND REPORTED POLICY. IF ISSUED, PLEASE READ YOUR POLICY CAREFULLY. This insurance is limited to liability

More information

INSTRUCTIONS FOR COMPLETING THIS APPLICATION

INSTRUCTIONS FOR COMPLETING THIS APPLICATION MAIN FORM APPLICATION FOR PRIVATE COMPANY DIRECTORS AND OFFICERS AND CORPORATE LIABILITY INCLUDING EMPLOYMENT PRACTICES LIABILITY INSURANCE ( PRIVATE PLUS ) Name of Insurance Company to which this Application

More information

Provided By Heath Benefit Partners Workers Compensation Employee Benefits

Provided By Heath Benefit Partners Workers Compensation Employee Benefits Provided By Heath Benefit Partners Workers Compensation Employee Workers compensation laws in California regulate the determination and payment of benefits for employees injured in the course of employment.

More information

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY PRINTERS ERRORS AND OMISSIONS LIABILITY COVERAGE

THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY PRINTERS ERRORS AND OMISSIONS LIABILITY COVERAGE THIS ENDORSEMENT CHANGES THE POLICY. PLEASE READ IT CAREFULLY PRINTERS ERRORS AND OMISSIONS LIABILITY COVERAGE This endorsement modifies insurance provided under the following: BUSINESSOWNERS LIABILITY

More information

CONSULTANTS ERRORS AND OMISSIONS INSURANCE APPLICATION CLAIMS MADE POLICY

CONSULTANTS ERRORS AND OMISSIONS INSURANCE APPLICATION CLAIMS MADE POLICY United National Insurance Company United National Specialty Insurance Company Penn-Star Insurance Company A Stock Company Bala Cynwyd, PA Administrative Offices: Three Bala Plaza East, Suite 300 Bala Cynwyd,

More information

CONSUMER LOAN BROKER ACT. 81-19-11. Investigation of applicant; issuance or denial of license; time limit for acting on applications.

CONSUMER LOAN BROKER ACT. 81-19-11. Investigation of applicant; issuance or denial of license; time limit for acting on applications. CONSUMER LOAN BROKER ACT Section 81-19-1. Short title. 81-19-3. Definitions. 81-19-5. License requirement; penalty for violation. 81-19-7. Exclusions from chapter coverage. 81-19-9. License application;

More information