Insurance Q&A of the Week: Is a Surfing Instructor a Sailor?
A surfing instructor is injured on the job, and the carrier says w/c coverage doesn't apply but the Jones Act does. What's correct?
August 16, 2021 at 06:42 AM
Thank you for sharing!
Your article was successfully shared with the contacts you provided.
Our insured provides Surf Instruction. One of their employees was injured while holding 2surfboards. One under each arm along shoreline. IW braced himself for the impact of strong wave, resulting in him dislocating shoulder. The WC Carrier is denying coverage stating WC does not apply to surf instructors and the Jones Act applies. In reviewing the Jones Act, that seems to be related to employees working on sea vessels and not merely a surf instructor.Question: 1. Would WC apply to this injured surf instructor?2. If WC does not apply, do you know of endorsements or other type of policies that may apply for an injured surf instructor while injured on the job?
This premium content is locked for
FC&S Expert Coverage Interpretation subscribers.
Request a Free Trial today to enjoy unlimited access to the trusted solution for successful interpretation and analyses of complex insurance policies.
Trusted, quality content from industry experts with over 60 years insurance experience, combined
Customizable alerts of changes in relevant policies and trends
Search and navigate Q&As to find answers to your specific questions
Filter by article, discussion, analysis and more to find the exact information you’re looking for
Continually updated to bring you the latest reports, trending topics, and coverage analysis
Already have an account? Sign In Now
For enterprise-wide or corporate access, please contact our Sales Department at 1-800-543-0874 or email [email protected].
Get Answers Directly From the FC&S Experts
Submit your coverage interpretation question to the editors of FC&S for quick and reliable information.