Injuries Outside of Workplace – What Does Workers’ Comp Cover?

Accidents happen when we least expect them, and unfortunately, they can occur outside of the workplace too. Whether it’s a slip and fall while grocery shopping or a car accident on the way to the movies, injuries can happen at any time and place. While workers’ compensation is often associated with workplace injuries, did you know that it can also cover injuries that occur outside of the workplace? So, let’s dive in and learn more about how workers’ comp can provide crucial support when you need it most!

Injured Outside of Work – What to Do?

Dealing with an injury can be overwhelming, especially if it occurred outside of work. While seeking medical attention is the first step, it’s essential to report the injury to your insurance company as soon as possible. Your insurance company will assign a claims adjuster to investigate the incident and determine if your policy covers the injury. It’s also crucial to document any medical treatment or expenses related to the injury, as your insurance company may require this information to process your claim. Remember, your insurance company is there to support you, so don’t hesitate to ask questions and seek guidance throughout the process.

What Happens If an Employee Is Injured Off the Job?

If you’re on a business trip or running an errand for your employer, you may be covered by workers’ comp if you’re injured. However, if the injury occurs while you’re engaged in activities outside the course and scope of your employment, such as playing a recreational sport or engaging in a personal hobby, it may not be covered. In this case, your personal insurance may provide coverage. You should always consult your insurance agent to understand your policy’s limitations and exclusions.

In What Cases Workers’ Comp Will Cover You Outside Your Office?

Workers’ comp insurance may cover your injuries outside your workplace in the following situations:

  • If you are traveling for work-related purposes, such as attending a conference or meeting, and are injured while traveling.
  • If you running a work-related errand, such as picking up office supplies, and are injured while doing so.
  • If you are on a break during work hours and are injured while on the premises of your employer.
  • If you are injured while attending a work-related social event, such as a holiday party.

Besides, in some cases, companies create customized workers’ comp coverage to cover their employees even if they are not injured in work-related events. You will need to check with an insurance agent to learn more about this.

What Can Employees Do If They Are Injured Outside of Work and Outside the Course and Scope of Employment?

If you’re injured outside of work and your employer’s insurance policy doesn’t cover the injury, you still have options. You can file a claim with your own insurance company, such as your health insurance or PIP insurance. If the injury was caused by someone else’s negligence, you may also be able to file a personal injury lawsuit. An experienced insurance attorney can help you understand your options and negotiate with the insurance company on your behalf.

Cover Yourself on and off the Work with Reardon Insurance Agency!

At Reardon Insurance Agency, we understand that covering medical expenses can be stressful for you, especially if you don’t have the right insurance policy. That’s why we offer a range of insurance solutions designed to provide financial protection and peace of mind while you are at work or off the work. Contact us today to learn more about workers’ compensation insurance and how we can help you protect yourself in case of medical emergencies.

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