Depianti v. Jan-Pro Franchising International, Inc.

**Depianti v. Jan-Pro Franchising International: Insurance Coverage Denied** This case involved a dispute over insurance coverage for a worker who was injured while working for a Jan-Pro cleaning franchise. The worker sought coverage under an insurance policy, but the insurance company (Utica First Insurance Company) refused to pay, claiming the worker was excluded from coverage under their contractor's liability policy. The court sided with the insurance company. Both the trial court and appeals court ruled that the insurance policy's exclusions for workers' compensation and employees were valid. This meant the injured worker could not receive benefits under this particular insurance policy because they fell into categories that were specifically excluded from coverage. **What this means for workers:** This ruling highlights the importance of understanding what type of insurance coverage protects you at work. If you work for a franchise or as an independent contractor, different insurance policies may apply, and some may have exclusions that leave you without coverage. Workers should verify what insurance protections are in place and consider whether they need their own coverage. When injured on the job, it's crucial to understand which insurance policies might apply and what exclusions exist that could deny your claim.