保险与留置权第 1498 / 1632 题

A contractor illegally carries no workers' compensation insurance and an employee is injured. The employee may:

a.Collect only from the CSLB's contractor recovery fund
b.Be held strictly to the workers' compensation schedule
c.Sue the employer at law, where its negligence is presumed
d.Recover nothing at all, coverage being absent here

解析

Labor Code §3706 lets an employee of an employer that failed to secure the payment of compensation bring an action at law for damages as if the workers' compensation division did not apply, and §3708 presumes the injury was a direct result of the employer's negligence, places the burden of rebutting that on the employer, and strips the defenses of contributory negligence, assumption of risk, and negligence of a fellow servant. §3700.5 adds misdemeanor exposure. (a) invents a recovery fund California does not maintain for contractors, which is why the §7071.6 bond matters. (b) is the exclusive-remedy bargain the employer forfeits by going uninsured. (d) inverts the consequence of being uninsured.

法律依据: Lab. Code §3706 / §3708 / §3700.5

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审核人 Abraham Chen — Licensed California General Contractor (CSLB License #1101856 — 核实)
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