Rock the Boat
the facts
the result
Layne Images entered into a three-month contract to
photograph images of the South of France for a travel
brochure. During the second month of the contract,
the employees of Layne Images along with two leased
employees and three independent contractors1,
embarked on a four-day cruise on the Atlantic Ocean to
travel to and photograph the coastline of France.
The International P/C policy’s assistance services team
approved the repatriation and paid the following
expenses for the injured employee and ill contractor:
On the last day of the cruise, the ship began to rock
violently due to high winds. One of the employees
attempted to run back to her cabin and fell on the
deck of the ship. In addition, one of the independent
contractors hired by Layne Images became seriously
ill and was complaining of chest discomfort. As soon
as the shipped docked, both people were rushed to a
nearby hospital for treatment. The hospital determined
that the employee had a sprained ankle, and the
contractor had suffered a heart attack.2
Once the contractor was stabilized, the physician
ordered an emergency repatriation. One of the leased
employees agreed to travel back to the United States
with the contractor.
1. Hospital admission deposit for both injured people.
2. Emergency medical “reasonable and customary” expenses.
3. Emergency medical expenses for the independent contractor’s pre-existing condition.
4. Repatriation arrangements and travel expenses for the ill contractor and accompanying leased
employee.
Risk Factor #1
Our International P/C policy insures personal side trips up to 14 days while part
of a business trip.
Risk Factor #2
The broad definition of employee automatically includes volunteers, leased
employees, temporary employees, independent contractors designated as
employees by written contract, and any other specifically designated persons.
Visit www.schinnerer.com/international for more information or contact an International P/C underwriter at
[email protected]
Victor O. Schinnerer & Co., Inc. | Two Wisconsin Circle | Chevy Chase, MD 20815
Phone: 301-961-9800 | Fax: 301-951-5444 | [email protected]
Any examples in this article are for illustrative purposes only and any similarity to actual individuals, entities, places or situations is unintentional
and purely coincidental. This material is not intended to establish any standards of care or to serve as legal advice appropriate for any particular
factual situations. This information is for illustrative purposes only and is not a contract. It is intended to provide a general overview of the policy described.
Nothing contained herein should be construed as an acknowledgement by Schinnerer that a given situation may be covered under a particular policy.
© 2015 Victor O. Schinnerer & Company, Inc. | In CA, dba Schinnerer Insurance Services | CA Ins. Lic. # 0156109