What Isn’t Covered By Workers Comp?

If you are an employer you know the importance of carrying workers compensation insurance. Your business is simply not safe without it; if anything were to happen to an employee that resulted in damages, the cost to your business, and potentially your family, could be overwhelming.

It can be confusing to understand when your workers comp insurance protects your business and employees, and when it does not. 

What Does Workers Comp Cover?

In addition to injuries obtained during the normal course of work, workers comp will provide coverage for injuries sustained while:

  • Commuting to and from work, if transportation is a contractual commitment
  • Walking from personal transportation in the company parking areas
  • Attending company-sponsored events, when attendance is considered mandatory
  • Working from home
  • Traveling on company business
  • And more

What Is Not Covered By Workers Comp?

Some injuries, even if they seem to be work-related, are not covered by workers comp:

  • Common illnesses, such as cold or flu
  • Driving to or from work
  • injury related to intoxication, including drugs or alcohol
  • Intentional injury or self-injury
  • injury from horseplay and disregard for safety rules
  • Pre-existing conditions
  • Injury sustained outside of work unless listed above
  • And more

In cases of workers comp, there can be confusion as to what is covered and what is not. Contact your trusted insurance provider for more information.