Answer to Question 1
Worker's compensation insurance is a no-fault insurance that covers medical expenses, loss of earnings, and retraining costs if an employee becomes ill or injured on the job. Under the terms of such policies, an employer cannot deny a claim by an insured employee, and the employee cannot sue the employer on the basis that the employer's negligence caused the disease or injury.
Answer to Question 2
Errors and omissions insurance is a professional liability insurance that covers the professional negligence of design professionals. Such insurance is needed by a construction company that offers design services, because most commercial general liability insurance policies exclude professional liability.
Answer to Question 3
The issues that should be addressed in a construction company operating procedures manual are: general rules governing communication, composition and frequency of company business meetings, standard company forms and formats, company internal report formats and frequencies, responsibilities of organizational elements, signature authority, and records retention policies.
Sample of an insurance card.
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