A clause, usually found within property insurance policies, which circumvents the increased hazard clause sometimes found in a standard fire policy.
Tag: RAW
Work away risk
Describes a public liability risk where the main hazards stem from the work undertaken by the insured on third party premises. Electricians, plumbers, etc., install, repair or carry out maintenance on the premises of others. Visits to the insured’s premises by customers are not a major feature of the risk.
Work conditioning
Program that focuses on the restoration of musculoskeletal, cardiovascular, and safe work demand performance for individuals who have suffered an industrial injury. Circuit training and work simulation are included in the program.
Work force
Under the Health Insurance Portability and Accountability Act (HIPAA), this means employees, volunteers, trainees, and other persons under the direct control of a covered entity, whether or not they are paid by the covered entity.
Work hardening
1. Individualized program of therapy using simulated or real job duties to build up strength and improve the worker’s endurance to be able to work up to 8 hours per day. Sometimes work site modifications are instituted to get the employee back to gainful employment. 2. In a workers’ compensation case, program that uses conditioning tasks with real or simulated work activities that are graded to progressively improve the biomechanical, neuromuscular, cardiovascular, metabolic, and psychosocial functioning of the injured worker to maximize the ability to return to work (e.g, in vocational rehabilitation). It incorporates psychomedical counseling, ergonomics, job coaching, and transitional work development.
Work in progress
1. Property item at risk of loss or damage by fire, etc., usually included in the policy schedule. The sum insured is based on the cost of raw materials plus the cost of labour and other resources used in creating the product up to the time of loss. Completed products insured as stock.
Work practice controls
Policies and procedures that reduce the possibility of employee exposure to hazards by changing the manner in which a task is done (e.g., to handwash after removal of gloves, to prohibit mouth pipetting for a laboratory test, to recap needles using the two-handed method).
Work Program
In contract Bond Reinsurance, a clause specifying that reinsurance attached at a specified level of a principal’s total volume of work, rather than on the conventional basis of individual contract or bond amount.
Work program (Reinsurance)
A clause found within contract bond reinsurance that specifies that the reinsurance is connected to the principal’s total amount of work.
Work rehabilitation
Structured and supervised program of physical conditioning, exercise, strengthening, and functional task performance with real and simulated job activities for workers recovering from industrial injuries. Its purpose is to return people back to work and prevent future injury risk.