Are Injuries on Commute or in Parking Lot Covered?
When employees are injured on the job, they are eligible for workers’ compensation benefits, but not if the accident occurs on their commute to or from work — in most cases, at least.
But how about if an employee is injured in your parking lot, or while running an errand for you after work? There are two rules that govern at which point a worker is eligible for benefits if they sustain an injury:
The ‘coming and going’ rule
Typically, workers’ comp benefits won’t be paid for injuries sustained during a daily commute. This is known as the “coming and going” rule.
Exceptions consider whether the worker’s travel was a benefit to the employer, and related to their job duties. There are four main exceptions:
- No fixed work site — The employee travels to multiple job sites. If a worker travels to multiple sites in one day and gets injured en route even to the first one, injuries would typically be compensable.
- Off-site work — This could include if the employee is injured while on a business trip. The worker is deemed to be acting in the scope of his or her employment the whole time while away on business, even at the hotel.
- Special assignment — If during their regular commute the employee also is performing a special errand or “mission” for their employer.
- Traveling worker — When an employee must travel in order to accomplish their job duties, the coming and going rule does not apply.
The ‘premises’ rule
If an employee is injured on the premises of your place of employment, they are more or less “at work” and should qualify for benefits.
Premises are not limited to areas owned or leased by the employer, and include areas under their control.
Various courts have held that employment starts when an employee arrives at a parking lot owned, maintained or used by the employer.
A recent case dealt with these issues. A worker was injured while driving to work inside an Air Force base, where his private military contractor employer operated multiple worksites. He was on the base, but still 3 to 5 miles away from his worksite.
A California appellate court ruled that he was eligible for benefits under the workers’ comp premises rule.
This and other cases show that there are off-site dangers to workers that employers cannot account for, particularly on public roads.
Still, other dangers on your premises — think icy walkways — can be minimized with proper risk management, by alerting your landlord (if you rent) if there are such dangers, or having it fixed if you own the property.
BGES Group’s office, located in Larchmont, NY is a full service insurance agency offering, Property, Liability, Umbrella Liability, Business Auto, Bid & Performance Bonds, Inland Marine, Worker’s Compensation, New York State Disability, Group Health, Life insurance, Personal lines and Identity Theft.
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