Worker’s compensation insurance covers any injuries that occur during work hours. But what if you get injured while going to or leaving from work? Would worker’s comp cover you?
Generally, the time spent while commuting to and from work does not count as work hours. As such, most insurers won’t consider injuries that happen during that time as work-related. However, there are exemptions to this rule. Below are three instances that worker’s comp may be in play.
1. Business Trips
In Florida, most worker’s compensation insurance providers cover injuries occurred during work-related travels. It is important that the employee proves that the activity that has caused the injury is in the benefit of the employer. For instance, if you were hit by a car going to a meeting in a hotel, the insurer would probably consider injury as a work-related one since the meeting is beneficial to the employer.
2. Parking Lots
Worker’s comp covers you from the moment you enter your employer’s premises. But many people are not aware that areas controlled by the company, such as parking lots, may also be part of the coverage. So if you figured in an accident while you’re in the company’s parking lot, your worker’s comp may cover you.
3. On-Call Employees
Most worker’s compensation insurance usually cover on-call employees from the moment the employer call them into work. So generally, worker’s comp covers on-call employees who got injured while on their way to a job.
These are just a few instances that worker’s comp could cover employees while they are commuting to or from work. But it is worth noting that coverage for employees varies from state to state. So, it is significant that employers, as well as the employees, are aware of the specific rules regarding worker’s comp in their area.