April 2009 Dec Page

Question of the Month

When a legally employed minor is injured in the course of employment, the workers compensation insurance mechanism functions in the same fashion as in any employee injury situation. That is, the insured minor is eligible for all benefits prescribed by the state's workers compensation law, to be paid by the employer's workers compensation insurance. However, when illegally employed minors are injured in the course of employment, employers can find themselves in difficult situations regarding insurance coverage, particularly when the employer has knowingly permitted the illegal employment.

Employers and the insurance professionals that handle the workers compensation exposures should be familiar with the employment laws of the state concerning minors, and the scope of coverage under the workers compensation and employers liability insurance for minors employed contrary to law. This article provides general information on the subject, as well as court cases from various states dealing with claims by minors who have been injured on the job (this information can be especially helpful now since summertime is approaching and with it, the great influx of minors into the job market): Workers Compensation and Employed Minors.

Continue Reading for Free

Register and gain access to:

  • Quality content from industry experts with over 60 years insurance experience, combined
  • Customizable alerts of changes in relevant policies and trends
  • Search and navigate Q&As to find answers to your specific questions
  • Filter by article, discussion, analysis and more to find the exact information you’re looking for
  • Continually updated to bring you the latest reports, trending topics, and coverage analysis