CMFAS CGI Commercial Liability Insurance question: latent occupational disease make the timing basis and the definition of employee

CMFAS CGICommercial Liability Insurance

Why does latent occupational disease make the timing basis and the definition of 'employee' especially important for workforce liability cover?

A Because former employees can never claim once they have left the business
B Because occupational disease claims are always paid by public liability instead
C Because occupational illness is excluded from every workforce liability policy
D Because disease can surface years after exposure, long after the work ended

Show the answer and explanation

Answer: D. Because disease can surface years after exposure, long after the work ended

Because employees' claims are for injury and disease, latent occupational illness can surface years later, making the timing basis of the cover and the definition of 'employee' particularly important.

Common mistake

Overlooking that occupational disease has a long latency that stresses when cover responds and who counts as an employee.

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CMFAS CGI Commercial Liability Insurance question: latent occupational disease make the timing basis and the definition of employee

Answer: D. Because disease can surface years after exposure, long after the work ended

Common mistake

Related CMFAS CGI questions

CMFAS CGI Commercial Liability Insurance question: latent occupational disease make the timing basis and the definition of employee

Answer: D. Because disease can surface years after exposure, long after the work ended

Common mistake

Related CMFAS CGI questions