Layne Images entered into a three-month contract to photograph images of the South of France for a travel brochure. During the second month of the contract, the employees of Layne Images along with two leased employees and three independent contractors1, embarked on a four-day cruise on the Atlantic Ocean to travel to and photograph the coastline of France.
On the last day of the cruise, the ship began to rock violently due to high winds. One of the employees attempted to run back to her cabin and fell on the deck of the ship. In addition, one of the independent contractors hired by Layne Images became seriously ill and was complaining of chest discomfort. As soon as the shipped docked, both people were rushed to a nearby hospital for treatment. The hospital determined that the employee had a sprained ankle, and the contractor had suffered a heart attack.2
Once the contractor was stabilized, the physician ordered an emergency repatriation. One of the leased employees agreed to travel back to the United States with the contractor.
The International P/C policy’s assistance services team approved the repatriation and paid the following expenses for the injured employee and ill contractor:
- Hospital admission deposit for both injured people.
- Emergency medical “reasonable and customary” expenses.
- Emergency medical expenses for the independent contractor’s pre-existing condition.
- Repatriation arrangements and travel expenses for the ill contractor and accompanying leased employee.
Risk Factor #1
Our International P/C policy insures personal side trips up to 14 days while part of a business trip.
Risk Factor #2
The broad definition of employee automatically includes volunteers, leased employees, temporary employees, independent contractors designated as employees by written contract, and any other specifically designated persons.