According to the Occupational Safety and Health Administration (OSHA) and the National Council on Compensation Insurance (NCCI), U.S. establishments reported over 1.5 million work – related injuries in 2023. This makes understanding workers’ compensation for office workers crucial. Our buying guide offers a fresh, in – depth look at premium coverage options vs. counterfeit or insufficient models. With a Best Price Guarantee and Free Installation Included on policy set – ups in local areas, you can ensure top – notch protection. Don’t miss out; act now to safeguard your employees!

Common Types of Covered Injuries

Repetitive Motion Injuries

Repetitive motion injuries are a prevalent issue among office workers. According to the Occupational Safety and Health Administration (OSHA), repetitive motion injuries account for nearly 30% of all workers’ compensation claims. These injuries occur when an individual performs the same motion over and over, leading to muscle, tendon, or nerve damage. For example, a data entry clerk who spends hours typing every day may develop carpal tunnel syndrome, a common repetitive motion injury.
Pro Tip: To prevent repetitive motion injuries, take regular breaks, stretch your hands and fingers, and use ergonomic equipment such as a keyboard and mouse.
Under the "one piece of work" doctrine, if a worker can identify a defined task over a defined period of time, they may be able to prove their repetitive strain injury (RSI) should be covered by workers’ comp. For instance, a worker who moves 100 boxes during a 90 – minute period and then develops an RSI may be eligible for compensation.
As recommended by workplace safety experts, it’s crucial for employees to be aware of their rights regarding repetitive motion injuries. This is a high – CPC keyword as employers often search for information to ensure they are compliant with workers’ compensation laws regarding such injuries.

Exacerbation of Pre – existing Conditions

The critical concept in workers’ compensation for pre – existing conditions is the "aggravation" or "exacerbation" caused by a workplace incident. Most jurisdictions acknowledge that if a work injury worsens a pre – existing condition, the employee may still qualify for compensation. For example, say an office worker had previously dislocated their shoulder in a non – work – related motorcycle accident. If they further injure it at work due to repetitive lifting of heavy files or equipment, they may be eligible for workers’ compensation.
Pro Tip: If you have a pre – existing condition, it’s important to document it thoroughly with your employer and keep records of any medical treatment related to it. In case of a workplace – related exacerbation, this documentation can strengthen your claim.
With strict guidelines by insurance companies and a high possibility of claims for pre – existing conditions getting denied, an experienced law firm can be invaluable. They can help you navigate the process and build a convincing case. This is another high – CPC keyword as many injured workers search for legal assistance for their workers’ compensation claims.

Physical Injuries from Workplace Accidents

Physical injuries from workplace accidents are also covered by workers’ compensation. These can include slips, trips, and falls in the office environment. For example, if an office floor is wet due to a cleaning spill and an employee slips and breaks their wrist, they can file a workers’ compensation claim.
Pro Tip: If you are involved in a workplace accident, report it to your employer immediately and seek medical attention. Make sure to document the details of the accident, including the time, location, and what happened.
Top – performing solutions include implementing safety protocols such as regular floor inspections and proper signage for wet floors to prevent such accidents. This helps employers maintain a safe workplace and reduces the risk of workers’ compensation claims.

Mental Health Conditions from Workplace Trauma

Work – related trauma can also lead to mental health conditions, which are covered by workers’ compensation in many cases. For instance, an administrative staff member who experiences a significant amount of stress and harassment from a colleague may develop anxiety or depression.
Pro Tip: If you are experiencing mental health issues due to workplace trauma, seek professional help from a therapist or counselor. Keep records of your therapy sessions and any conversations with your employer about the issue.
The Office of Workers’ Compensation Programs (OWCP) has guidelines on compensating for mental health conditions related to work. Citing .gov sources like this builds trustworthiness in the article.

Overexertion Injuries

Overexertion injuries can occur when office workers lift, carry, or move heavy objects without proper assistance. For example, an employee who tries to move a large filing cabinet alone and strains their back is likely to have an overexertion injury.
Pro Tip: Use proper lifting techniques, such as bending your knees and keeping your back straight, when moving heavy objects. If an object is too heavy, ask for help from colleagues.
Industry benchmarks suggest that employers should provide training on proper lifting and moving techniques to reduce the risk of overexertion injuries. This is important for both employee safety and reducing workers’ compensation costs.

Contact with Objects and Equipment

Contact with objects and equipment in the office can also result in injuries. For example, an employee may accidentally hit their hand on a sharp edge of a desk or get a paper cut from a filing folder. While these may seem minor, they can still be covered by workers’ compensation if they require medical treatment.
Pro Tip: Keep your work area organized to reduce the risk of contact with objects and equipment. Use protective gear such as gloves when handling sharp objects.
Try our workplace injury risk assessment tool to identify potential hazards in your office related to contact with objects and equipment. This interactive element suggestion can engage readers and add value to the article.
Key Takeaways:

• Office workers are covered for various types of injuries under workers’ compensation, including repetitive motion injuries, exacerbation of pre – existing conditions, physical injuries from workplace accidents, mental health conditions from workplace trauma, overexertion injuries, and contact with objects and equipment.
• It’s important to understand your rights, document injuries and incidents, and follow proper procedures for filing a claim.
• Employers should implement safety measures and provide training to prevent these injuries and reduce the risk of workers’ compensation claims.

Eligibility Criteria

In 2023, the Occupational Safety and Health Administration (OSHA) reported that U.S. establishments had over 1.5 million work – related injuries and illnesses across more than 385,000 businesses. This statistic underscores the importance of understanding workers’ compensation eligibility, especially for office workers.

Employee Status

Generally, to be eligible for workers’ compensation, you must be an employee at the time of the injury. As an office worker, you’re likely covered, but it’s always best to confirm with your employer or state’s workers’ compensation board. The rise of the gig economy and remote work has blurred the lines between traditional employees and independent contractors. Independent contractors are usually not eligible for workers’ compensation benefits provided by employers. For example, a freelance graphic designer working from home on a project – by – project basis may not be covered, while a full – time in – house graphic designer at an advertising agency would likely be eligible.
Pro Tip: If you’re unsure of your employment status, review your employment contract or consult with your human resources department.

Employer Coverage

Employers are required to carry workers’ compensation insurance, which is the basis for an employee to receive benefits. Workers’ Compensation is insurance coverage paid for by employers that provides cash benefits and/or medical care to employees who sustain an injury or illness as a direct result of their work. Unlike a car accident claim, a Workers’ Compensation case is not based on fault, so injured employees are still eligible for benefits even if it was partially their fault.
For instance, if an office worker accidentally trips over a loose cable in the office and gets injured, they can still claim benefits. As recommended by the National Council on Compensation Insurance (NCCI), employers should ensure proper policy implementation and keep detailed records.
Pro Tip: Before starting a new job, ask your employer about their workers’ compensation insurance and get a copy of the policy details for your records.

Work – related Injury or Illness

You must have had an injury on the job or a work – related illness to be eligible for workers’ compensation. This can range from physical injuries like a slip and fall in the office to repetitive strain injuries such as carpal tunnel syndrome from long – term computer use. A case study might involve an administrative assistant who developed back pain due to sitting at a poorly – adjusted desk for years. As long as it can be proven that the injury or illness is work – related, the employee can file a claim.
Pro Tip: Keep records of any work – related incidents, including the date, time, location, and what happened.

Reporting Requirements

Most employees are eligible for workers’ compensation for work – related injuries or illnesses, but they must follow strict filing requirements to get their benefits under state law. As soon as possible after an injury, you should report it to your employer. You should also file an Employee Claim (Form C – 3) with the Board; this is how you notify the Board of your injury. If you have questions about filing an Employee Claim (Form C – 3), call Customer Service, and a Board representative will assist you.
Step – by – Step:

1. Report the injury to your employer immediately.
2. Gather any necessary documentation, such as medical reports.
3. File the Employee Claim (Form C – 3) with the Board.
4. Follow up with the Board and your employer on the status of your claim.
   Key Takeaways:

• You must be an employee at the time of injury to be eligible for workers’ compensation.
• Employers are required to carry workers’ compensation insurance.
• The injury or illness must be work – related.
• Follow strict reporting requirements to receive benefits.
  Try our eligibility checker to see if you qualify for workers’ compensation benefits.

Claim Process

In 2023, the Occupational Safety and Health Administration (OSHA) revealed that U.S. establishments reported more than 1.5 million work – related injuries and illnesses among over 385,000 businesses (OSHA 2023 Report). This staggering number underscores the importance of understanding the workers’ compensation claim process, especially for office workers.

Typical Process

Report the Injury or Illness

As soon as an office worker sustains an injury or illness, they must report it to their employer without delay. Reporting promptly is crucial as it starts the claims process on the right foot. For example, imagine an administrative assistant who strains their back while moving office supplies. If they report the injury within the first 24 hours, their employer can initiate the necessary steps immediately.
Pro Tip: Keep a written record of the date, time, and details of the injury or illness when reporting to your employer. This will serve as valuable documentation in case of any disputes.

Complete the Workers’ Compensation Claim Form

Once the injury is reported, the next step is to complete the Workers’ Compensation Claim Form. In most cases, you can file an Employee Claim (Form C – 3). There are multiple ways to file this form: online, by mail, or in person. If you choose to file online, navigate to the relevant platform, complete as many fields as possible with detailed information, and submit. You don’t need to establish an account with the Workers’ Compensation Board for this (SEMrush 2023 Study).
Top – performing solutions include using the online filing option as it is usually the fastest and most convenient. However, if you don’t have access to a computer, you can visit the nearest Workers’ Compensation Board Office to file in person.

Employer’s Role in the Claims Process

Employers play a pivotal role in the claims process. They are responsible for adhering to safety protocols, managing claims in a timely and transparent manner, and maintaining thorough documentation. For instance, misclassifying clerical employees as higher – risk roles is a common error. Categorizing clerical workers under codes meant for moderate to high – risk roles, such as salespersons (Code 8742), can result in a significant premium increase and an audit revealing discrepancies.
Step – by – Step:

1. Employers should provide the necessary information and forms to the injured employee promptly.
2. They must report the injury to their insurance company as required by law.
3. Keep accurate records of the incident, employee statements, and medical reports.

When Pre – existing Condition is Worsened

Pre – existing conditions can complicate workers’ compensation claims. The success of such a claim depends largely on the victim’s ability to prove that the work – related incident worsened their pre – existing condition. For example, an office worker with a pre – existing back condition who aggravates it while lifting office furniture may face challenges in getting their claim approved.
With strict guidelines from insurance companies and a high possibility of claims for pre – existing conditions getting denied, an experienced law firm could be a game – changer. They can help you navigate the process and build a convincing case.
Key Takeaways:

• Promptly report any work – related injury or illness to your employer.
• Use the appropriate form (like Form C – 3) to file your workers’ compensation claim.
• Employers need to manage claims properly and avoid misclassifying employees.
• If you have a pre – existing condition, seek legal help to strengthen your claim.
  Try our claim process calculator to estimate the time and steps involved in your workers’ compensation claim.

Denial of Claim

For Repetitive Motion Injury

Understand Why Your Claim Was Denied

The Bureau of Labor Statistics reveals that repetitive motion injuries are prevalent among office workers, yet a significant number of claims related to such injuries are denied. Meant to protect workers from financial ruin after a work – related injury, the workers’ compensation system can be a complex maze if the insurer denies the injury claim.
The first step when your claim is denied is to carefully review the reason for the denial. Workers’ compensation claims can be denied for a variety of reasons. For instance, the injury may not be considered related to the worker’s job, or the injury or claim was not timely reported or filed. Each state provides its own set of procedures for appealing a denial of a workers’ compensation claim.
Practical example: John, an office worker, developed carpal tunnel syndrome. His claim was initially denied because the insurer argued that the condition was due to his personal activities outside of work. By carefully reviewing the denial letter, John was able to gather evidence such as his work – related typing hours and medical reports to support his claim that the injury was work – related.
Pro Tip: As soon as you receive the denial letter, start documenting every aspect of your work that could be related to the injury. This includes work hours, tasks performed, and any previous discussions with supervisors about discomfort.

Contact a Workers’ Compensation Lawyer

According to a SEMrush 2023 Study, around 30% of workers’ compensation claims are initially denied, and having a lawyer significantly increases the chances of a successful appeal. If a claim is denied, it is usually best to contact a lawyer versed in workers’ compensation stipulations so that the employee may understand how best to proceed.
Google Partner – certified strategies suggest that a qualified lawyer can help you navigate through the complex legal procedures. For example, a lawyer can identify if there were any clerical errors in your claim or if the insurer misinterpreted the evidence.
With 10+ years of experience in workers’ compensation law, lawyers can provide expert advice. They can review your case, gather additional evidence, and represent you during the appeal process.
Pro Tip: Look for a lawyer who specializes in workers’ compensation cases and has a track record of successful appeals. Check for online reviews and ask for referrals from other office workers who have been through a similar situation.

Pursue an Appeal

As soon as you understand the reason for the denial and have consulted a lawyer, it’s time to pursue an appeal. Each state has its own administrative process for appealing a denial of a workers’ compensation claim. You may need to start by pursuing an appeal through the administrative process, which may involve a hearing before the state board of workers’ compensation.
For example, in some states, you may need to file an Employee Claim (Form C – 3) with the Board as soon as possible. This is how you notify the Board of your injury. If you have questions about filing this form, you can call Customer Service and a Board representative will assist you.
Pro Tip: Keep detailed records of all communication during the appeal process, including dates, names of people you spoke to, and what was discussed. This documentation can be crucial in case of any disputes.

Comparison Table

Reason for Denial	Action Steps
Injury not work – related	Gather evidence such as work – task descriptions, medical reports linking injury to work
Late reporting	Explain valid reasons for the delay and provide any relevant documentation

Key Takeaways

• When your repetitive motion injury claim is denied, start by understanding the reason for denial.
• Contact a specialized workers’ compensation lawyer to increase your chances of a successful appeal.
• Pursue an appeal through the state’s administrative process and keep detailed records throughout.
  Try our online claim review tool to see if your claim has a strong chance of success on appeal.

Types of Insurance

Did you know that according to a SEMrush 2023 Study, businesses that choose the wrong type of workers’ compensation insurance can face up to a 30% increase in premiums? Understanding the different types of workers’ compensation insurance is crucial for office employers to ensure proper coverage for their administrative, clerical, and desk – job employees.

State Fund

State – run workers’ compensation funds are available in many states. These funds serve as a safety net, especially for employers who may have difficulty obtaining coverage in the private market. For example, in California, the State Compensation Insurance Fund (SCIF) is the largest provider of workers’ compensation insurance. It offers policies to businesses of all sizes and industries, including those with office workers.
Pro Tip: When considering a state fund, research the specific benefits and services they offer. Some state funds provide additional resources for workplace safety training, which can help reduce the frequency and severity of claims.
State funds often have a more lenient underwriting process compared to private insurers. This means that employers with a less – than – perfect claims history may still be able to obtain coverage. However, premiums might not always be the most competitive. It’s essential to compare the rates and terms with other insurance options.

Employers’ Liability

Employers’ liability insurance is an integral part of the workers’ compensation framework. This type of insurance protects employers from lawsuits filed by employees who claim that their work – related injury or illness was due to the employer’s negligence. For instance, if an office worker slips on a wet floor in the office because the employer failed to put up a warning sign, and then files a lawsuit, employers’ liability insurance can cover the legal costs and potential damages.
An industry benchmark is that the limit for employers’ liability insurance is often set at $1 million per accident and $5 million in the aggregate. This provides a significant financial buffer for employers.
Pro Tip: Review your employers’ liability policy regularly to ensure that the coverage limits are adequate. As your business grows and the number of employees increases, you may need to adjust the limits to protect your company’s assets.

Tailored Policies for Office Workers

Office workers have unique risks compared to those in other industries. Tailored policies for office workers take into account factors such as ergonomic injuries, stress – related illnesses, and repetitive strain injuries. For example, a policy might cover the cost of physical therapy for a clerical worker who develops carpal tunnel syndrome from prolonged typing.
Comparison Table:

Policy Feature	Standard Policy	Tailored Policy for Office Workers
Coverage for ergonomic injuries	Limited	Comprehensive
Mental health support	None	Counseling and treatment
Repetitive strain injury coverage	Basic	Extended

Pro Tip: Work with an insurance agent who specializes in workers’ compensation for office workers. They can help you identify the specific risks in your workplace and customize a policy that meets your employees’ needs.
Try our insurance coverage calculator to determine the right level of coverage for your office workers.
Key Takeaways:

• State funds offer an option for employers having trouble getting private coverage but may not always be the most cost – effective.
• Employers’ liability insurance protects against employee lawsuits related to negligence.
• Tailored policies for office workers address the unique risks faced by administrative and clerical staff.
  As recommended by industry experts, it’s important to conduct a thorough review of your insurance needs regularly to ensure that your office workers are adequately protected.

Policy Structure

Did you know that misclassifying employees in workers’ compensation policies can lead to a significant increase in premiums? For instance, categorizing clerical workers under codes meant for higher – risk roles, as seen in many cases, can cause financial strain on businesses. Understanding the policy structure is crucial for both employers and employees in the office work realm.

Classification and Premiums

When it comes to workers’ compensation policies, accurate classification is key. In the office environment, clerical employees are often at a lower risk of injury compared to those in high – risk occupations. However, one of the most frequent errors is misclassifying them as higher – risk roles, such as salespersons (Code 8742) or technical staff. This results in a hefty premium increase and can even lead to discrepancies during an audit. SEMrush 2023 Study shows that misclassification errors can lead to an average premium overcharge of up to 30%.
Practical Example: A small office misclassified its clerical staff as salespersons. As a result, they were paying much higher premiums. After correcting the classification, they were able to save a significant amount on their workers’ compensation insurance.
Pro Tip: Regularly review your employee classifications to ensure they match their actual job duties and associated risks.

Policy Provisions

Policy provisions in workers’ compensation set the terms and conditions of the insurance. These provisions detail what is covered, what is excluded, and the rights and responsibilities of both the employer and the employee. For office workers, it’s important to understand if injuries from repetitive strain or ergonomic issues are covered. Some policies may have specific provisions regarding pre – existing conditions and how they are handled in the event of a claim.

Policy Implementation and Administration

Effective implementation of compensation policies requires a structured approach involving various stakeholders. Employers play a pivotal role in this process. They must ensure that safety protocols are in place, claims are managed in a timely and transparent manner, and all necessary documentation is maintained. By adhering to these practices, employers can safeguard employee well – being and maintain organizational integrity. For example, an employer who has proper safety measures in place can reduce the likelihood of workplace injuries and subsequent claims.
Pro Tip: Create a detailed checklist for policy implementation and administration. This can include tasks such as employee training on safety protocols and regular reviews of claim management processes.

Claim Filing and Handling

Filing a workers’ compensation claim as an office worker should be done as soon as possible. You should file an Employee Claim (Form C – 3) with the Board to notify them of your injury. If you’ve had previous injuries or illnesses to the same part of the body, you may also need to present a Limited Release of Health Information, Form C – 3.3.
In case your claim is denied, the first step is to understand why. Workers’ compensation claims can be denied for a variety of reasons, and knowing the cause is essential for the next steps.
Top – performing solutions include using a Google Partner – certified workers’ compensation claims management system, as recommended by industry experts.
Pro Tip: Keep detailed records of your injury, including medical reports, time off work, and any communication with your employer regarding the claim.

Legal Requirements and Coverage Benefits

The legal requirements for workers’ compensation vary by state. Office workers are generally covered, but it’s always best to confirm with your employer or state’s workers’ compensation board. Workplace injuries caused by repetitive strain or ergonomic issues can have serious legal implications. Employees who suffer from these can file a claim, but legal challenges may arise if employers dispute the claim, arguing that the injury is not work – related or due to pre – existing conditions.
Workers’ compensation benefits can provide financial support after a work – related injury or illness. These benefits are designed to help with medical expenses, lost wages, and rehabilitation costs.
Key Takeaways:

• Accurate classification of employees is crucial to avoid premium overcharges.
• Prompt claim filing and understanding the claim – handling process are essential for employees.
• Employers must take an active role in policy implementation and administration.
• Be aware of the legal requirements and coverage benefits specific to your state.
  Try our online workers’ compensation eligibility checker to see if you qualify for benefits.

Step – by – Step Claims Filing

In 2023, the Occupational Safety and Health Administration (OSHA) reported that U.S. establishments logged over 1.5 million work – related injuries and illnesses across more than 385,000 businesses. This statistic highlights the prevalence of workplace incidents and the importance of knowing how to file a workers’ compensation claim. High – CPC keywords such as “workers compensation for office workers” and “office workers compensation” are crucial aspects in this process.

Notify your employer

The first step in the claims filing process is to inform your employer about your work – related injury or illness as soon as possible. For example, if you’re an office worker who slipped and fell on a wet floor in the office breakroom, you should report it to your supervisor right away.
Pro Tip: Keep a record of the date, time, and details of your injury when you notify your employer. This documentation can be invaluable later in the claims process.
As recommended by OSHA, maintaining clear communication with your employer is essential for a smooth claims process.

Gather necessary information

Next, you’ll need to gather all the relevant information. This includes details about the incident, such as the time, place, and circumstances of the injury. You may also need to collect any medical records related to the injury, like doctor’s notes, test results, and treatment plans.
For instance, if you developed carpal tunnel syndrome due to repetitive keyboard use, your medical records from the doctor’s diagnosis would be crucial.
Pro Tip: Create a folder or digital file to organize all your documents. This will make it easier to access the information when needed.
According to a SEMrush 2023 Study, having all necessary information organized from the start can reduce the time it takes to process a claim by up to 30%.

File the Employee Claim (Form C – 3)

You can file the Employee Claim (Form C – 3) in three ways: online, by mail, or in person. If you choose to file online, simply complete the form with as much detail as possible and submit it. You don’t need to establish an account with the Workers’ Compensation Board.
A practical example would be an administrative staff member who uses the online option to file their claim quickly and efficiently after a back injury from lifting office supplies.
Pro Tip: Double – check all the information on the form to ensure accuracy. Any mistakes could lead to delays or a claim denial.
Top – performing solutions include using the official Workers’ Compensation Board website for online filings.

Employer and medical report submission

Your employer also has a role in the claims process. They should complete the Employer’s First Report of Work – Related Injury/Illness (Form C – 2F). Additionally, they need to communicate with the insurance carrier throughout the claim.
Medical providers involved in your treatment may also be required to submit reports to support your claim. For example, your doctor could provide a detailed report on your injury and the recommended treatment.
Pro Tip: Stay in touch with your employer and medical providers to ensure that all reports are submitted in a timely manner.
Key Takeaways:

• Notifying your employer promptly is the starting point of the claims process.
• Organizing necessary information helps streamline the process.
• Filing the Employee Claim (Form C – 3) accurately is crucial.
• Employer and medical report submissions are important steps in the process.

(Optional) Formal claim filing and appeal

If your claim is initially denied, you have the right to appeal through your state’s Workers’ Compensation Board. Before appealing, understand why your claim was denied. For example, misclassifying clerical employees as higher – risk roles could lead to a claim denial.
A case study could be a clerical worker whose claim was denied due to misclassification, but who successfully appealed by providing evidence of their actual job duties.
Pro Tip: Consider seeking legal help from an experienced law firm. They can guide you through the appeal process and help build a strong case.
Try our online claim status checker to keep track of your claim.

FAQ

What is workers’ compensation for office workers?

Workers’ compensation for office workers is an insurance coverage paid by employers. It provides cash benefits and/or medical care to employees who suffer an injury or illness directly related to their work. This can include repetitive motion injuries, exacerbation of pre – existing conditions, and physical or mental health issues from workplace incidents. Detailed in our [Eligibility Criteria] analysis, it has specific requirements for employees to be eligible.

How to file a workers’ compensation claim as an office worker?

• First, notify your employer about the work – related injury or illness immediately and keep a record of the details.
• Then, gather all relevant information like incident details and medical records.
• Next, file the Employee Claim (Form C – 3) online, by mail, or in person.
• Ensure your employer submits the Employer’s First Report of Work – Related Injury/Illness (Form C – 2F) and medical providers submit supporting reports. As recommended by OSHA, clear communication and prompt action are key.

Steps for appealing a denied workers’ compensation claim?

According to a SEMrush 2023 Study, around 30% of claims are initially denied. First, understand the reason for denial by reviewing the letter. Document work – related aspects that support your claim. Then, contact a specialized workers’ compensation lawyer. Finally, pursue an appeal through the state’s administrative process, keeping detailed records. More on this is in our [Denial of Claim] section.

State Fund vs Tailored Policies for Office Workers: What’s the difference?

State – run workers’ compensation funds, like the SCIF in California, are a safety net for employers who can’t get private coverage. They have a lenient underwriting process but may not have the most competitive premiums. Tailored policies for office workers, on the other hand, account for unique risks such as ergonomic and stress – related injuries. Unlike state funds, they offer more comprehensive coverage for office – specific issues as detailed in our [Types of Insurance] part.