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Teixeira concentrates his practice in cases involving workers' compensation and employers' liability. She brings more than 24 years of workers' comp experience to the firm.
This is worrying as employers' liability is a compulsory legal requirement for a business with employees.
LV= highlights the growing volume and cost of claims under employers' liability, public liability and business interruption policies - sometimes known as 'loss of profits' insurance.
Before confronting these real-world examples it is important to understand the central features of the competing regimes as well as the policy issues underlying the choice between workers' compensation and employers' liability. In order to set the stage, Parts I and II begin with a brief recollection of the basic principles of workers' compensation systems and of employers' liability.
Package provides coverage across five fundamental areas of insurance: public liability; professional indemnity; maritime employers' liability; employers' liability and personal accident Rapid market developments in the growing maritime security industry have led to increasingly divergent requirements that companies in the sector have of their insurance.
In a consultation paper released earlier this week, the Department of Work and Pensions set out plans to create an Employers' Liability Tracing Office plus an Employers' Liability Insurance Bureau to provide a fund of last resort for those who are unable to trace them.
Darren Smith, a Midland-based partner with Reed Smith - which re-launches as Hill Hofstetter in the new year - said: "Based on this decision a number of employers' liability insurers who have not provided policies for a considerable number of years, and others who are in liquidation, chose to decline cover in respect of asbestos claims where inhalation had taken place during the course of their period of insurance, and this was the subject of the latest hearing."
When faced with the unprecedented phenomenon of injured workers suing their employers for compensation, nineteenth-century judges in England and the United States constructed a trilogy of employer defenses that severely limited employers' liability: voluntary assumption of risk, the fellow-servant rule, and contributory negligence.
HUNDREDS of sole traders across the West Midlands are employing seasonal and part-time staff with inadequate employers' liability cover, it is claimed.
What they get is an occurrence form that typically offers coverage for employers' liability, general or public liability, automobile liability and environmental liability.
Bodily injury to any person in work that is subject to the Federal Employers' Liability Act or any other federal laws obligating an employer to pay damages to an employee due to bodily injury arising out of or in the course of employment is also excluded.
Also excluded is bodily injury to any person in work that is subject to the Federal Employers' Liability Act or any other federal laws obligating an employer to pay damages to an employee due to bodily injury arising out of or in the course of employment.

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