Does the WCRA provide coverage on a per-occurrence or per-employee basis?
Per-occurrence. There is, however, a distinction between a multi-claimant loss and an occupational disease claim. In the first case, one incident results in injuries to more than one employee, and one retention limit applies to the occurrence, which is treated as a single claim. Occupational disease, in contrast, is considered a separate occurrence for each affected employee, and the limit applies to each employee separately. Refer to “Per-Occurrence Coverage” in the Claims Reference Guide for more information. More information on this topic can be found in the Member’s Reference Guide.
Related Questions
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- Does the WCRA provide coverage on a per-occurrence or per-employee basis?
