Lemcy Cortez was an employed truck driver of Triple F Oil Field Service. He was involved in an accident in Oklahoma but after Triple F denied his claim, he filed with the Louisiana Office of Workers Compensation for coverage. Triple F was in Oklahoma, but Lemcy argued that he had been hired in Louisiana so it had jurisdiction.

Click here to see how the courts ruled.

Workers compensation policies are unique in that they do not provide any description of the Coverage A Workers Compensation coverage actually being provided. Instead the policy contains a section called Workers Compensation Law. The only way to learn about the coverage is to read the Workers Compensation Law of the state that has jurisdiction

Click here to read the PF&M analysis of the General Section of the NCCI Workers Compensation and Employers Liability Insurance Policy.

Triple F Oil Field Service provided a variety of services to oil gas wells but they didn't actually do any drilling. These operations have significant exposures that relate to their proximitly to wells but involve other risks too.

Click here to review a narrative describing the exposures and coverage needs for this industry.

Are you interested in pursuing an Oil and Gas Well Operations - Non-drilling Services operation? The first stop is reviewing the narrative described above. When you have identified the operations you want to pursue, consider sending a letter offering to survey the operation. Then once you have, make contact and set up an appointment you can use the questionnaire to work with the prospect on developing an effective insurance program.

Click here for some wording you could use in making contact.