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Workers' Compensation
Personal Effects Fund
Purpose: To provide coverage for loss of or damage to covered property while the covered individual is traveling or engaged in business activities on behalf of their participating organization, away from the premises of the covered individual’s residence, domicile, or home, subject to all the provisions.
Eligibility: All employees approved by the participating Seventh-day Adventist organization
Property covered: Personal effects belonging to and usually carried or worn by the covered individual. Coverage is available only for business travel or while engaged in business activities away from the place of permanent residence, and subjec to all the provisions of the policy.
Payment: As determined by employer
Benefit Provisions: Loss of or damage to covered property.
U.S. $1,000
U.S. $2,000
U.S. $3,000
U.S. $4,000
Per occurrence
Property not Covered:
1. Bicycles or other conveyances or their equipment
2. Motor vehicle equipment including installed audio and/or electronic equipment; CB radios, radar detectors, car phones.
3. Travelers checks, securities or documents (other than travel tickets, birth certificates, Government issued identification cards, visas, passports, or drivers license)
4. Animals, household furnishings, salesmen's samples
5. Medical instruments, medical devices or prescription items which may be recoverable from a medical company.
6. Property for sale or exhibitions, contraband or illegal items
7. Contraband or illegal items.
8. Property specifically or otherwise insured
9. Any loss or damage resulting from the activity of fungi, wet or dry rot, or bacteria.
Limitations:
1. Loss or damage to any one item shall be limited to 35% of the limit
2. Loss or damage caused by war, or warlike action shall be limited to 25% of the limit
3. The indemnity for loss or damage to property specially or otherwise insured shall be limited to the amount not covered by other insurance, within the scheduled limit.
4. Loss of money or securities in any one occurrence shall be limited as follows:
- US$200 for covered individuals with an insured limit of $1,000
- US$300 for covered individuals with an insured limit of $2,000
- US$400 for covered individuals with an insured limit of $3,000
- US$500 for covered individuals with an insured limit of $4,000
Exclusions:
1. The residence or domicile of the covered individual
2. While in storage, or while in the custody of students
3. Theft or pilferage do to negligence while left unattended in or on any automobile unless the loss is a direct result of visible, forcible entry into a securely locked automobile
4. Wear and tear
5. Breakage, marring or scratching of articles of brittle or fragile nature
6. Radioactivity
7. Due to confiscation or destruction under quarantine, or any government authority
Annual Premium:
US$1,000 limit $26.84
US$2,000 limit $36.24
US$3,000 limit $44.29
US$4,000 limit $50.00
NEW This is a summary only of the policy. Any discrepancy between the provisions of this summary and those of Master Policy the Master Policy will govern in all cases.
Workers' Compensation & Employers Liability
Workers' Compensation: State workers' compensation laws require, with few exceptions, that employers take responsibility for on-the-job injuries. Each state defines benefit level for employers in their state. The insurance pays all compensation and all benefits required under the workers' compensation act of the state(s) listed in the policy. Benefits included loss of income, medical, rehabilitation, disability, death, and survivor benefits.
Employers Liability: Coverage is provided for damages that an employer becomes legally obligated to pay (apart from workers’ compensation statutes) because of bodily injury by accident or disease to an employee.
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