What the panel ordered
The September 8, 2020 Findings and Award is affirmed; reconsideration is denied.
Defendant sought reconsideration of the arbitrator's Findings and Award dated September 8, 2020, which found applicant was insured for workers' compensation by defendant for the date of injury and that the policy did not exclude applicant from coverage.
What was disputed, and how it came out
Each issue the panel decided, with the reasoning it gave. An outcome is what this panel did on this record — not a rule, and not a prediction.
The policy did not contain a pre-approved limiting or restricting endorsement excluding applicant from coverage; the Certificate of Liability Insurance did not indicate applicant was excluded; credibility determinations favored applicant.
From the decision · page 7Pursuant to the arbitrator's opinion, there has been no finding of AOE/COE or any issues of permanent or temporary disability. This arbitration was solely limited to whether the applicant was covered on the alleged date of injury of August 30, 2019.
The facts that decided it
What the panel treated as outcome-determinative, and which side it favoured.