Question

A claimant eats uncooked food at a local restaurant and becomes very ill. Which of the following workers compensation benefits would pay for this occurrence? A products and completed operations form A premises and operations form You Answered An owners and contractors protective liability form Correct Answer None of the above. These definitions refer to a Commercial General Liability policy.

Answer 1

Workers' compensation benefits cover employees injured or ill as a result of their work, but not for foodborne illness if not contracted within the scope of employment. The forms mentioned relate to liability policies, not workers' compensation.

Step-by-step explanation:

The question revolves around the coverage aspects of workers' compensation insurance and its applicability to a case of foodborne illness contracted from a restaurant. Workers' compensation insurance is designed to cover employees who sustain injuries or illnesses as a direct result of their job duties. In the given scenario, if the claimant is an employee of the restaurant and the illness is determined to be derived from their work environment, workers' compensation benefits may cover their medical expenses. However, most workers' compensation policies would not cover incidents like foodborne illnesses contracted by an employee while not acting within the scope of their employment. Additionally, the types of forms mentioned – 'products and completed operations,' 'premises and operations,' and 'owners and contractors protective liability' are typically associated with Commercial General Liability policies and are not relevant to workers' compensation claims.