Under a standard workers compensation policy, when is the insurer considered to have received notice of a claim?

In a standard workers' compensation policy, the moment the insurer is deemed to have received notice of a claim is when the employer has knowledge of the claim. This is important because the employer is typically the first point of contact for employees who may have sustained a work-related injury or illness. The employer is responsible for reporting this information to the insurer, as they handle the initial communication regarding workplace incidents.

Understanding that the employer's notice is critical helps clarify the role of employers in the claims process. Once the employer is aware of the claim, it triggers the responsibilities under the workers' compensation policy to begin processing and managing the claim accordingly. The subsequent steps in addressing the claim, including determining benefits and any further obligations, are all contingent upon the employer having that initial knowledge.