Compensación al TrabajadorPregunta 501 de 531
An employer with a poor loss record cannot find any workers compensation insurer willing to quote it. Coverage is normally obtained through:
a.A captive formed by the employer's bank
b.A surplus lines broker in another market
c.The assigned risk plan or residual market
d.A reinsurance treaty written for the risk
Explicación
Because compensation coverage is compulsory for covered employers, every competitive jurisdiction maintains a market of last resort that assigns hard-to-place employers to insurers or to a designated servicing carrier. Surplus lines exists for risks admitted carriers decline, but it is not the route for statutory compensation. Reinsurance protects the insurer rather than the employer, and a bank does not form a captive for its borrower.
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