Common workers compensation policy exclusions for architects/engineers-
These are some of the more common exclusions on workers compensation policies, be sure to read your firms policy as it may vary from these exclusions.
Punitive or exemplary damages because of bodily injury to an employee employed in violation of law.
The policy also excludes:
Bodily injury to an employee while employed in violation of law with your actual knowledge or the actual knowledge of any of your executive officers.
Bodily injury intentionally caused or aggravated by you. The ‘you’, in this case, is the named insured or the architecture/engineering firm.
Bodily injury occurring outside the United States of America, its territories or possessions, and Canada. This exclusion does not apply to bodily injury to a citizen or resident of the United States of America or Canada who is temporarily outside these countries. If your firm has employees outside of the United States check with your insurance company to provide the adequate coverage.
Damages arising out of coercion, criticism, demotion, evaluation, reassignment, discipline, defamation, harassment, humiliation, discrimination against or termination of any employee, or any personnel practices, policies, acts or omissions.
Liability assumed under a contract. This exclusion does not apply to a warranty that your work will be done in a workman like manner.
Fines or penalties imposed for violation of federal or state law.
Damages payable under the Migrant and Seasonal Agricultural Worker Protection Act (29 U.S.C Sections 1801 et seq.) and under any other federal law awarding damages for violation of those laws or regulations issued thereunder, and any amendments to those laws.
The exclusions may vary from state to state and with different insurance companies, always read your policy so your firm has a full understanding of the exclusions. If you have any questions about workers compensation exclusions please call or email your Professional Underwriters agent for assistance.