What are the exclusions in a workmen’s compensation policy?

Understanding the inclusions is vital, and examining the exclusions in a workmen’s compensation policy is equally important. Knowing what is not covered can prevent potential gaps in protection during critical times. Exclusions can significantly impact an employee’s ability to receive financial assistance when needed, and understanding these limitations helps businesses evaluate the quality of the insurance provider.

• Pre-existing illnesses or conditions
• Self-inflicted injuries
• Accidents from substance abuse
• Non-work-related illness & injuries
• Contractual obligations