Which endorsement adds coverage for employees who are excluded from coverage under a particular state's laws?

• A. The United States Longshore and Harbor Workers' Compensation Act Endorsement
• B. The Jones Act endorsement
• C. Voluntary Compensation and Employers Liability endorsement
• D. Federal Employers Liability Act Coverage endorsement

Answer: (C)

In workers’ compensation, some employee classes can be excluded from state-mandated coverage. The way to extend protection to those excluded workers is through the voluntary compensation and employers liability endorsement. This endorsement allows the employer to provide workers’ compensation benefits on a voluntary basis to employees who wouldn’t be covered under the state statute, essentially filling gaps where coverage isn’t required by law. It also includes employers liability protection, so the employer isn’t left exposed to potential tort claims from those workers for injuries not covered by the voluntary compensation plan.

Endorsements like the Longshore and Harbor Workers’ Act, the Jones Act, or FELA are specific to federal programs or particular groups of workers (maritime workers, seamen, railroad employees) and do not address state-excluded employees the way the voluntary compensation endorsement does.