"Insurance That Comes with an Agent"
Agents Standing By | 225.292.7680
Auto Insurance AUTO

Auto insurance protects you against financial loss if you have an accident.

Read More
Homeowners Insurance HOME

A standard policy insures the home itself and the things you keep in it.

Read More
Business Insurance BUSINESS

Discover the perfect insurance options to meet your specific and unique needs.

Read More
Life Insurance LIFE

Browse a variety of insurance options in order to find the right one for you.

Read More
Health Insurance HEALTH

Learn about different health coverage options that fit your specific needs.

Read More
Boat Insurance BOAT

Finding insurance doesn't have to be difficult. We do the work for you.

Read More

workers operating forkliftsWorkers’ compensation insurance is an important investment for every company. It covers injuries an employee suffers during the “course and scope” of employment. What does that mean? Determining when an injury qualifies for coverage can seem difficult. Most often, your agent will offer guidance about coverage, but there are a few things you need to consider.

When Are Injuries Covered?

Workers’ compensation covers worker injuries in some situations. Specifically, coverage will most likely apply when an employee is engaging in work-related tasks on the job site. However, there are situations where this isn’t as clearly defined.

For example, the employee may be working outside on the company’s lot when the injury occurs. What if the employee has to leave the job site to complete the work? Does that fall under coverage?

The term “course and scope” helps us to see when workers’ compensation insurance applies. That means the employee suffers an injury at the workplace or while he or she is engaging in work-related activities if not located at the workplace.

Here is an example of a common situation. Let’s say an accident occurs while an employee is driving from one workplace to another location for meetings. The employee gets hurt in the wreck. In this situation, the employee’s injuries are the direct result of the work he or she does for the company. They were also likely working, because they were going to a meeting. The worker’s injuries fall under the area of workers’ compensation.

By comparison, the worker driving to and from work does not have this coverage. He or she is not operating for the business, but just working to get there. If an employee is in an accident on the way to or from work, workers’ compensation insurance typically does not apply.

Tricky Situation? Your Agent Can Help

There are a variety of situations that are not clear cut and can be hard to understand. If you have a situation where you are unsure if your policy covers the incident, contact your insurance company. A key part of their service to you is helping you to learn about your liability in situations like this.

It is always the case that a business owner needs to ensure the workplace is safe for the worker. However, having workers’ compensation insurance helps minimize the financial loss your company could face should an incident occur. It’s not possible to avoid all accidents – some will happen over time or suddenly. That’s why proper coverage helps to reduce your costs in these situations. Contact us today for more information on workers compensation insurance.

Posted 5:15 PM

Share |

No Comments

Post a Comment
Required (Not Displayed)

All comments are moderated and stripped of HTML.
Submission Validation
Change the CAPTCHA codeSpeak the CAPTCHA code
Enter the Validation Code from above.
NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2019
  • 2018
  • 2017
  • 2016

View Mobile Version
© Copyright. All rights reserved.
Powered by Insurance Website Builder