A surfing instructor is injured on the job, and the carrier says worker’ comp coverage doesn’t apply. (Photo: EpicStockMedia/Shutterstock)

Every claim is different, and some insurance policies can be difficult to interpret for unique situations. FC&S Expert Coverage Interpretation, the recognized authority on insurance coverage interpretation and analysis for the P&C industry, makes it simple to find credible answers to your complicated coverage questions. Analysis brought to you by our FC&S experts. 

Editor’s Note: In this week’s question, we have an unusual situation: a surfing instructor is injured on the job and files for workers’ compensation. The worker’s compensation carrier says that coverage should be under the Jones Act, the federal program for sailors working on sea vessels.

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