I am thinking about getting an OCIP for one of my projects.  What are the most common types of WC claims that filed under a wrap up?

-Gustavo, Orlando, FL

Gustavo, the top 5 most common types of WC claims we see include injury causes such as lifting, slip/trip, cuts, fall from higher level, and struck by.  The top 5 most common injured body parts we see are fingers, eyes, back, hands, and feet.  It is very important to have a detailed and dedicated site safety team on site to mitigate any loss exposures and prevent any claims from occurring.  For more information, please check out our Worker’s Comp Claim Analysis article by Ben Slocum from our March 2012 newsletter issue.

If I have a supervisor who visits the project once a month, does his payroll need to be reported under the wrap up?

-Gordon, Bridgeport, CT

Gordon, typically, the payroll reported under the wrap up should be limited to those employees that are dedicated to the job-site. Because the supervisor’s primary duties do not include working at the job site they are often excluded from wrap-up coverage  thus would remain under your company’s own Workers’ Compensation policy. However, each state, carrier and administrator is different so I would recommend that you check your state’s insurance regulations, speak with your insurance broker, and review the project’s wrap-up procedures manual for more information on your particular program.

Can a contractor be enrolled and excluded on the same project?

-Marshall, Memphis, TN

Marshall, it can happen from time to time but is not recommended due to the difficulty of deciding if the employee was working on the enrolled or excluded portion of work. If a company has two contracts at the project site where for one project they are enrolled and the other they are excluded, it can be difficult for the insurance carrier to know for sure if the employee was working on the enrolled portion instead of their excluded portion of work.  It is recommended that a contractor either be enrolled or excluded for all contracts on a project for consistent monitoring purposes.