WHAT ACCIDENTS ARE COVERED BY WORKERS’ COMP?

Travel to and from work

The normal rule is that accidents occurring while traveling from home to work or from work to home are not covered by Workers’ Comp. Two common exceptions include:

1. If you have arrived at, or are still on, the premises of the employer (even if you are walking through an entrance or exit), you are covered. When you clocked in or out of work is usually not important.

2. If you are considered an “outside” employee (someone who does not have one fixed place he or she works everyday), you are covered for any accidents while traveling. Examples of outside employees include traveling sales people, visiting nurses, and field workers who do not report to a building but drive around all day.

Parking lots

Accidents in parking lots that have nothing to do with the employer are generally not covered. But if the accident occurs in a parking lot where the employer told the employee to park, is designated for employees to park, or is customarily used by employees to park in, then accidents and on the way from the lot to the building or the building to the parking lot are covered.

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