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Workers compensation insurance is a state-governed program designed to provide coverage for lost income and medical bills for employees who suffer injury or illness that “arises out of and in the course of employment.” In order to be compensable, the general standard is that there must be a direct connection between the activity that caused the injury or illness and the scope of the employee’s work responsibilities.

It sounded like a no-lose proposition. The ambulance company’s CFO was assured by the insurance broker who was soliciting his insurance business that the Professional Liability policy he was promoting would provide the same terms, conditions and insurance protection as the current policy – but at a substantially lower premium. The proposal was put into writing and was accepted.