Legal Question in Workers Comp in California

There is NO COVERAGE against a finding of Serious & Willful Misconduct of the Em;ployer.

Serious & Willful Misconduct of an Employer is a misdemeanor crime... one cannot insure for losses for committing a crime.

The employer must personally defend a Petition for Increased Benefits for SErious & Willful Misconduct of the Employer, often hiring their own attorney for which they pay out of pocket.

Rarely, the insurance adjuster permits the attorney defending the injury claim to answer the petition and negotiate a resolution... but most Insurance Adjusters give notice the Serious & Willful petition is NOT covered by the Workers Compensation Coverage and advises the employer to secure private counsel immediately.