According to the standard workers' compensation policy, what does "The Insured" refer to?

"The Insured" in the context of a standard workers' compensation policy specifically refers to the employer named in item 1 of the Information page. This designation is essential because it clarifies who is covered under the workers' compensation policy and who is responsible for compliance with state workers' compensation laws.

In workers' compensation, it is critical to identify the insured party correctly, as it dictates the relationships and obligations outlined in the policy. The employer, being the insured, is responsible for providing workers' compensation benefits to employees who may experience work-related injuries or illnesses. This definition is foundational to understanding who is entitled to coverage under the policy and who must adhere to the requirements for maintaining that coverage. Understanding this concept is crucial for both employers managing their risks and for employees who rely on these benefits for protection in case of workplace injuries.