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Case 5: ALI.

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Case 4: GLI and WCI.

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1. Auto

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1. General y WC.

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1. GL, Workers compensations

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1. International.

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Case 3: International Casualty (covers GLI and WCI).

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Workers Comp, He will receive coverage of his medical expenses and PTO. He could of worn a brace for his back. More safety videos to prevent. More assistance for lifting heavier objects above 50 lbs.

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1.Workers Compensation.

2.Therapies and days off.

3.Mechanical aid.

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1. Workers compensations

2. Medical expenses, therapy, payout for the time off

3. Regular medical check, medical assitance, machines for the same work

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1.      Workers compensation.

2.      Medical expenses | PTO

3.      Give necessary machines to lift the heavy boxes

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Case 5

Auto liability, General

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1) Workers Compensation

2) The medical expenses for the employee as well as the employer from a potential lawsuit from the employee.

3) By providing equipment to avoid the physical effort from the employee.

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Workers compensation

physical therapy and time off will be covered by insurance

Using appropiate equipment to lift heavy things to avoid employees to do it themselves.

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1. General Liability

2. Medical Expenses

3. A clear sign or advertisment of risk, like WET FLOOR

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1.

* What type of coverage applies here? General Liability.

* What is going to be covered? Medical Expenses, the company against the lawsuit.

* What could the company have done to avoid the accident? Placing the wet floor sign when appropriate.

3. In Toronto a warehouse worker strains their back while lifting heavy boxes while lifting heavy boxes during a shift, the employee requires physical

therapy and time off.

- What type of coverage applies here? Worker Compensation

- What is going to be covered? Medical Expenses, paid time off, Monetary compensation

- What could the company have done to avoid the accident? Educate the workers and how to correctly lift the boxes, provide the workers with equipment

for the lifting of heavy equipment.

15. A Canadian construction company has a project in Panama, a structural error during construction causes severe property damage and multiple injuries, leading to claims totaling 10M Million while the base Coverage is 5 Million.

- What type of coverage applies here? International General Liability.

- What is going to be covered? Medical Expenses, Structural repairs, possible Auto Liability and protection against possible Lawsuits.

- What could the company have done to avoid the accident? Ensure there is someone to regulate the construction to reduce the possibility of an structural

failure

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1. International casualty and umbrella.

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1.General Liability

2.Medical expenses, and also any legal actions that may occur.

3. place signs of wet floor around the Cafe to make sure people is informed, also remind visitors to be cautious

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1.General Liability

2.Medical Expenses

3.Use the Caution Wet Floor sign

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Case #1

- General Liability-

- Covers Medical expenses, therapies and legal expenses.

- They coulda have placed the wet floor sign, add some anti-slippery material in that zone if it is risky.

Case #2

- Works Comp

- Medical, including therapy and a percentage of the time off work.

- Wear cinchers to heavy-lifting dutties, use a forklift

Case #3

structural error severe property damages and injuries, 10M claims, while base coverage 5M.

Internal Casualty General Liability/Work Comp and Auto (if applicable).

This will cover the repairing of the building, and medical expenses for injured people (up to 5Million); they had an umbrella for another 5M in case of a bigger event.

They could have hired a risk consulting company to mitigate the damages of building around residential buildings.

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1.General liability, covers medical expenses, possible lawsuite, compensations, injuries etc and it could be avoid cleaning in a different hour when there are no people around or using the sign.

2.Worker compensation, covers the time he is going to be out of work, medial leave, teraphy if needed and the time off he requests. Follwing all the security steps may help to prevent that situation. Using the tools and possible machines instead and training in how to handle heavy things.

3.International casualty if the workers are from the company and traveled to Panama to do the job, if the employees were from Panama then workers compensation. If regular citizens were passing by and got injured then general liability.

4.GL for the guest and workers compensation for the employee

5. Auto liability

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What type of coverage applies here?: general liability

What is going to be covered?: the broken wrist's medical expenses and the claim

What could have prevented this?: The cafe identifying that the wet floor is a hazard and as a consquence of this placing the wet floor sign

1. the worker starined his backlifting heavy boxes

2. The medical expenses and the time off

3. using a lifting machine for heavy boxes instead of putting the workers at risk

1. international casualty

1. general liability and workers compensation

1. auto insurance

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Automobile insurance

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1. General Liability

2. Customer Injuries, medical expenses, legal liability

3. Be attentive to put the sign before starting the cleaning action.

1. Workers compensation

2. Therapy and medical expenses

3. Have regulation on the working times and weights assigned to workers.

1. International casuality

2. Covered: Bodily injury, legal defense costs, property damage, umbrella, products liability

1. Workers compensation and general liability

1. Autoliablity

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1. General Liability

2. Covers Medical expenses and possible legal process.

3. Company could have avoided the situation by placing a wet floor sign

Situation 2: In Toronto a warehouse worker strains his back while lifting heavy boxes during the shift, the employee requires physical therapy and time off.

1. Worker's Compensation

2. Medical Expenses and Economic Compensation.

3. Giving different instructions to workers to take more time during these tasks and lifting materials in less weight proportions. As well as having equipment to support these tasks.

Situation 3: A Canadian construction company has a project in Panama, a structural error during construction costs severe property damages and multiple injuries leading to claims totaling 10 Mill while base coverage is 5 Mill.

1. International Casualty, Umbrella\XS if included.

Situation 4: In Barranquilla an employee cleaning an hotel lobby accidentally leaves a spill unattended, a guest slips and gets injured, at the same time the employee gets injured trying to help the guest.

1. General liability and Workers Compensation.

Situation 5: A Canadian construction company sends an employee to deliver materials, while reversing the company truck at the work site, the driver hits a sub-contractors parked car and damages its bumper and side door.

1. General Liability -- Correct : Auto Liability

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1. General Liability

2. Medical and legal expenses.

3. Placing a wet floor sign or educate the people passing by on the hazardous situation to avoid it or take a different path.

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General liability coverage // Medical expenses , sues, medication, therapy if needed // Put the wet floor sign or mopping after hours.

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-The General Liability applies in this case.

-All medical expenses.

-Add the right sign at the right moment.

-Workers Comp.

-Medical expenses and possible lawsuit.

-Train the workers to use the proper tools or equipment to do the task without injuring themselves.

-International Casualty insurances apply

-Property damage, medical expenses and possible lawsuits

-Supervision of the construction process

-General Liability + Workers Comp.

-Medical expenses for all people involved and possible lawsuit.

-Train the workers to place put the right sign at the right moment and solve the issue asap.

-Auto insurance

-Property damages

-Training to help the worker avoid these type of accidents.

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General Liability

Medical expenses, wages and recovery

Put a sign before mopping

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type of coverage: intl casualty: general, auto and work comp

what it s covered: medical expenses, car damages, wages comp, other buildings damages

how it could have been prevented: better execution by the construction co, better external supervision

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Type of coverages: Auto.

What is covered: Vehicle damage and potential property damage.

What could have prevented this: Better practices at work (?)

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General Liability. Bodily injury on the premise of the business. Coverage for medical and recovery expenses. Place more visible Caution or hazard signs for customers and employees.

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Canadian construction company has a project in Panama, estructural error, during construction causes multiple 3rd parties injuries claims totally 10mill, while based coverage is 5mill

1.Type Coverages: International

2.Covered: Property damage, medical expenses, workers,

3.Avoid accident: Review the area and make sure it has signs of contruction alert,

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What type of coverages: Workers compensation

What is going to be covered: Medical expenses and paid time off

What could have been done: She could have used a special belt or tools to did the job or used a machine if it was too much weight.

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1. General Liability

2. Medical Expenses

3. Place a wet floor sign.

1. Worker's Compensation.

2. Physical Therapy and payment during the time off required.

3. Proper training on lifting techniques and ergonomics, lifting equipment to handle heavy objects.

1. International Casualty

2. Medical expenses for people injured, property damaged.

3. Quality Control and Supervision of the Structure, proper planning.

1. General Liability and Worker's compensation.

2. Medical expenses for both.

3. Spill Management.

1. Auto Liability

2. Car Damages

3. Training in parking protocols, driver training.

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What type of coverage applies here? Worker’s compensation

What is going to be covered? All the process to be recovered

What could the company do to avoid this incident? Use machines to lift the heavy boxes

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What type of coverage applies here: General liability.

What is covered? Medical expenses

What could the company do to prevent the incident? place the wet floor sign.

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1. General liability

2. Medical expences

3.Use the wet floor sign

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1.) General 2.) Medical and legal expenses 3.) The cafe could have put a wet floor sign or restrict access to the wet zone

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1. Workers compansation

2. Medical Expenses, Disability

3. Use special machine like a forklif

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1. International casualty

2. medical liability

3. Signs the construction alert

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1. workers compensation

2 therapy and health

3 use lifting machines

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- Workers’ compensation

- Medical expenses and legal process if required and the time off.

- To train all employees on how to lift boxes of any weight correctly.  To have machines that support employees whit this task.

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General Liability - Medical expenses - Advise the floor is wet

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General Liability

Worker's Compensation.

The policy covers medical expenses, therapy expenses and paid recovery time.

To avoid this, they should educate the employees about good ways to lift stuff and how much they can do it. Use tools to help them to avoid injuries.

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GL insurance

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General Liability

Medical expenses, pain compensation

They could have put the wet floor sign. They could have mop after hourse

Workers compensation

medical expenses, salary for disability time

buy a machine to lift heavy material

International Casuality

Structure damages, madical expenses

More carefull

General Liability and Workers Compensation

Medical damages, pain compensation and disability time.

Buying a mopping machine

Auto Liability

Car damage as bumper and side door

Buy his own parking lot