| WORKERS’ COMPENSATION COVERAGE Workers’ Compensation laws provide a no-fault remedy to employees injured in the course of their employment. Eligibility of specific categories of worker for Workers’ Compensation benefits depends upon the specific laws of the state in which the employment occurs. The New Jersey Workers’ Compensation Law applies generally to regular residential employment. Homeowners policies in New Jersey are automatically endorsed to provide Workers’ Compensation coverage for residence employees for a nominal premium. Pennsylvania law does not mandate Workers’ Compensation coverage for residence employees, and Homeowners policies insuring Pennsylvania residences do not provide any Workers’ Compensation coverage. Except for the limited coverage provided for residence employees under New Jersey Homeowners policies, Workers’ Compensation claims are not covered. If you employ anyone other than an occasional residence employee, it may be necessary for you to purchase additional insurance to cover your Workers’ Compensation risk. We suggest that you contact a Customer Service Representative to discuss your possible needs in this regard. The Personal Liability and Medical Payments to Others coverages afforded by a Homeowners policy apply to Bodily Injury claims of residence employees other than those made through the Workers’ Compensation system. |
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