Does Workers' Comp Cover Injury While Running Work Errands?

​Workers’ compensation is a useful means to obtain compensation It helps you when you need to pay medical bills or will not receive wages due to issues at work that caused you to become ill. Every employer is obliged to provide benefits to their employees. But, the compensation varies from state to state. If you work for your employer, reading this post will benefit you. It will highlight the things excluded from workers’ comp and situations how you can obtain the necessary benefits.

What the Things Workers’ Comp Won’t Cover?

• During work hours: If you’re on break and you get injured, but the incident happened within the workplace, your employer will provide you with the necessary support with the help of the insurer. But, you will not receive the benefits from your workers comp insurance if you’re on break and you get injured outside business premises. 
• After clocking out for the day: After your hectic work day, you’ll be excited to clock out and get home and have a nice rest. If something came up while you’re in the parking lot, but if your operating is operating that, he will cover the damage expenses. On the other hand, any issues you encounter outside the business premise won’t be covered.

What’s the Exemption?
Here’s the thing. It was mentioned above that once you’re no longer in the business premise, you won’t be covered by workers’ comp anymore. That’s perfectly clear. 
 
But, there’s one thing that your employer has to consider. That is if you’re doing business requested by your employer and you will be away from the office, it’s a different story. Here are example scenarios where your employer is held liable if anything happens to you:

• You’re outside the office and driving, and you encountered mishap while taking  a work call in the car
• During professional learning or job-related training and you were harmed
• While traveling between two work sites and you get injured while driving
• You're beyond office hours, but you need to attend a business meeting and you were hurt

As you can see, there are lots of ways workers’ comp can significantly help you to live a more comfortable life. Get the necessary insurance plan from a trusted insurance provider.

At Cornerstone Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 661-8831. Get your free quote today by CLICKING HERE.