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  1. #1
    Join Date
    Feb 2014
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    Default Can an Employee Demand to See the Employer's Insurance Policy

    My question involves insurance law for the state of: Texas

    An individual has been hired to run the horseback riding dept for a summer camp. This individual has requested to see a copy of the summer camps insurance policy to make sure that he/she doesn't operate outside policy limits or restrictions. The summer camp refuses to let the individual see the policy.

    My question is; Does the individual have a legal right to view the policy and does the summer camp have a legal duty to supply it?

  2. #2
    Join Date
    Sep 2013
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    833

    Default Re: Requested Copy of Insurance Coverage

    Quote Quoting Bnelson228
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    My question involves insurance law for the state of: Texas

    An individual has been hired to run the horseback riding dept for a summer camp. This individual has requested to see a copy of the summer camps insurance policy to make sure that he/she doesn't operate outside policy limits or restrictions. The summer camp refuses to let the individual see the policy.

    My question is; Does the individual have a legal right to view the policy and does the summer camp have a legal duty to supply it?
    I know of no reason an employee would feel he has a "right" to view a policy or an employer a duty to supply it. A good employer might train the employee correct policies and procedures to make sure the employee acts in a way to not give the employer unreasonable risk.

    If the employee insists, I would say that is insubordinate.

  3. #3
    Join Date
    Jan 2006
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    38,867

    Default Re: Requested Copy of Insurance Coverage

    An individual has been hired to run the horseback riding dept for a summer camp.
    does he simply follow directives put in place by yourself or others in control of the company or is this individual allowed to make decisions and take discretionary action using their best judgment?

    It still is not generally a request you need to comply with but if the employee does have the power to take actions as I asked about, it would do well to discuss the limits of their powers and the limits of allowed activities. He may simply be looking out for the best interest of his employer. If he came from a background where he did have such powers, it would make sense he would seek to review the policy itself so as to create a plan of activities that would prevent any issues the insurance would not cover.

    but to the most basic question; no, you are not legally required to comply with his request

  4. #4
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    OH10
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    Default Re: Requested Copy of Insurance Coverage

    Are they an employee or independent contractor?

  5. #5
    Join Date
    Mar 2013
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    18,340

    Default Re: Requested Copy of Insurance Coverage

    Quote Quoting Disagreeable
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    Are they an employee or independent contractor?
    Doesn't make any difference.

    The camp has no legal obligation to provide a copy of its insurance policy.

    The individual has the option of quitting if he doesn't like the response.

  6. #6
    Join Date
    Feb 2014
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    3

    Default Re: Requested Copy of Insurance Coverage

    The employee is responsible for the safety of children on horseback and is wanting to look at the policy to make sure that they are operating within the policy limits and requirements. It's a major safety issue when they are being told to put 3 year old children on a 1000 pound animal. The employee simply wants to know that they are covered and the summer camp outright refuses.

    A huge red flag.

  7. #7
    Join Date
    Jan 2006
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    38,867

    Default Re: Requested Copy of Insurance Coverage

    Quote Quoting Bnelson228
    View Post
    The employee is responsible for the safety of children on horseback and is wanting to look at the policy to make sure that they are operating within the policy limits and requirements. It's a major safety issue when they are being told to put 3 year old children on a 1000 pound animal. The employee simply wants to know that they are covered and the summer camp outright refuses.

    A huge red flag.
    it is not the employees business whether the employers insurance adequately covers them or not.

  8. #8
    Join Date
    Jun 2006
    Location
    Massachusetts
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    24,521

    Default Re: Requested Copy of Insurance Coverage

    On the other hand, is there some reason that the employer objects to sharing the details of the insurance coverage with someone who is going to be in a potentially liable position?

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