The Risks Arising from Traveling Employees or Those Deployed Outside the Headquarter State of their Employer

9:00 – 10:00 am

Crystal Ballroom J1
Convention Level

One of the most complex and challenging risk management issues facing agents is managing the risk of their clients’ employees traveling or deployed away from the employer’s headquartered state. Most agents are unaware of the potentially catastrophic financial event that could arise from an employee injured out-of-state, if the risk has not been effectively managed. Few clear and specific rules exist, and case law varies significantly from state to state, so it is not surprising that agents are confused and struggle to find answers.

In this Module, participants will learn:

  • How does the workers’ compensation policy address “Other States” coverage;
  • What circumstances and conditions are considered when determining jurisdiction;
  • How to manage the policy terms to prevent premium audit problems and denied claims.

Frank Pennachio
Oceanus Partners
St. Petersburg, FL


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