Are there any exclusions I should be aware of?

When considering any insurance policy, including those offered by FirstComp Insurance Company, it is essential to be aware of potential exclusions that may apply. Exclusions are specific situations or conditions that are not covered by an insurance policy, and understanding them can help you make informed decisions about your coverage. In general, FirstComp Insurance may have common exclusions that are typically found in many workers’ compensation insurance policies, such as injuries that occur outside the scope of employment or injuries resulting from the employee's intentional misconduct. Additionally, injuries that arise from commuting to or from work may not be covered, as they may fall under personal activities rather than job-related duties. Some policies may exclude certain industries or occupations, especially those that are considered high-risk. It is also vital to look into any limits on coverage for specific types of injuries, like repetitive stress injuries, or any stipulations regarding pre-existing conditions. Every policy can differ, and the details may vary based on the specific coverage options selected. For the most accurate and comprehensive understanding of exclusions relevant to a particular policy from FirstComp Insurance Company, it is advisable to review the policy documentation carefully. The current web page of FirstComp may provide additional information and resources that can clarify this topic further.