All Spotters will be covered by Occupational Accident Insurance while working an active shift in the USA through the Spotwork platform. This insurance covers the Spotwork worker's costs of medical expenses and lost earnings amongst other benefits listed below should the unimaginable accident happen.
This specialized coverage offers our companies a practical way to help protect our workers by insuring them in the event of an accident while on the job. Occupational Accident Insurance provides an affordable alternative to workers' compensation coverage, which is typically linked to an employer.
Spotters are responsible for promptly notifying Spotwork within 5 business days or as reasonably possible after an accident.
***Please note: This insurance only applies when the Spotwork worker's shifts are booked through the Spotwork platform
Occupational Accident – Schedule of Benefits
Benefit Occupational Injuries
Accidental Death Benefit:
Principal Sum* $50,000
Commencement Period 365 days
Survivor's Benefit:
Principal Sum* $150,000
Monthly Benefit Percentage of Principle Sum 1.00%
Monthly Benefit Amount $1,500
Accidental Dismemberment Benefit:
Principal Sum* $200,000
Commencement Period 365 days
Accidental Paralysis Benefit:
Principal Sum* $200,000
Commencement Period 365 days
Accident Medical Expense Benefit:
Commencement Period 90 days
Maximum Benefit Amount $1,000,000
Maximum Benefit Period 104 weeks
Dental Benefit Maximum $2,500
Lifetime Maximum Benefit Amount $1,000,000
Mental and Nervous or Depressive Condition 1 visit per day to a maximum of $25 per visit and 20 visits per Accident