What does the Voluntary Compensation Endorsement primarily provide?

What does the Voluntary Compensation Endorsement primarily provide?

• A. Coverage for independent contractors
• B. Excess liability coverage
• C. Expanded coverage for domestic employees
• D. Medical expense coverage

Answer: (C)

The Voluntary Compensation Endorsement primarily provides expanded coverage for domestic employees. This endorsement is designed to extend workers' compensation benefits to employees who may not be covered under standard workers' compensation laws, particularly domestic workers or household employees. By including this endorsement in a policy, homeowners or employers can ensure that their domestic workers receive medical benefits and compensation for lost wages if they are injured while performing their job duties. This type of coverage is especially important in situations where domestic workers are exempt from statutory workers' compensation requirements, thus allowing employers to voluntarily provide these benefits for the sake of protection and compliance.

The Voluntary Compensation Endorsement primarily provides expanded coverage for domestic employees. This endorsement is designed to extend workers' compensation benefits to employees who may not be covered under standard workers' compensation laws, particularly domestic workers or household employees. By including this endorsement in a policy, homeowners or employers can ensure that their domestic workers receive medical benefits and compensation for lost wages if they are injured while performing their job duties.

This type of coverage is especially important in situations where domestic workers are exempt from statutory workers' compensation requirements, thus allowing employers to voluntarily provide these benefits for the sake of protection and compliance.