Academic journal article Journal of Risk and Insurance

Workers' Compensation Premium Adjustments

Academic journal article Journal of Risk and Insurance

Workers' Compensation Premium Adjustments

Article excerpt

Hartford Accident & Indemnity Co. v. Pro-Football, Inc., 127 F.3d 1111 (D.C. Cir. Oct 28, 1997) (applying District of Columbia law)

The Washington Redskin's ownership obtained workers compensation coverage through a risk pool arrangement operated by the Commonwealth of Virginia, where the team maintains a practice facility. The policy contains a provision for having premiums adjusted based on loss experience.

The Washington Redskins case itself presents an interesting question regarding what counts as a premium rating factor other than actual injury experience, missed work, and the severity and cost of the injuries. Because the team has facilities in Virginia and workers compensation rates are noticeably lower in Virginia than in the District of Columbia, the team sought to have the policy rated as though the applicable compensation benefits to injured workers would be based on Virginia's schedule of benefits. However, several of the Redskins players successfully argued to District of Columbia authorities that the District's benefits schedule should control because the players' real locus of work was RFK Stadium in D. …

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