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Insurance coverage Q&A: Workers' comp for chef hurt in pool at work event?

This question involves a hotel's chef, who was injured after diving into the shallow end of a pool at his employer's culinary awards celebration.

The insured is a major hotel chain that was having a ceremony at one of its properties with a pool. A chef that works for the hotel was at the party and dove into the shallow end and sustained a neck injury that required surgery. (Credit: British Columbia Ministry of Transportation and Infrastructure) The insured is a major hotel chain that was having a ceremony at one of its properties with a pool. A chef that works for the hotel was at the party and dove into the shallow end and sustained a neck injury that required surgery. (Credit: British Columbia Ministry of Transportation and Infrastructure)

We have the following general question seeking your thoughts on its applicability as a workers’ comp claim vs general liablity. Information from what we know to date:

The insured is a major hotel chain that was having a ceremony at one of its properties with a pool. A chef that works for the hotel was at the party and dove into the shallow end and sustained a neck injury that required surgery. Currently, we do not have the medical or exact injury and, unfortunately, this is late notice reporting of the incident. Alcohol was being served at this event, but we are unaware if this was a factor in the injury.

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