What Workers' Comp Insurance Covers
Workers’ compensation coverage protects your business from financial loss resulting from the injuries or illnesses suffered by your employees. Discover what your work comp plan covers, and what it does not, to best protect your employees and your business.
What Does Workers' Compensation Cover?
Your workers’ compensation plan covers the injuries or illnesses experienced by your employees while they are on the job, while your employee is on your business’ property, and while conducting business for off-site. Some of the illnesses and injuries covered include:
- Repetitive use injuries: Some injuries such as carpal tunnel syndrome and tendonitis occur due to repetitive motion. Employees who work in factories, in an office setting or as a caregiver often experience these injuries, sometimes resulting in debilitating pain.
- Occupational illnesses: Certain illnesses such as Black Lung resulting from coal, and HIV resulting from a needle stick, can occur while an employee is on the job. These illnesses are a direct result of an occupation, thus covered under workers’ compensation.
- Aggravated pre-existing condition injury or illness: Old injuries or health conditions aggravated by a workplace injury or illness are generally covered.
- Psychological distress and stress-related injury: Some states allow coverage for psychological conditions such as PTSD. For example, in Arizona, coverage is available for PTSD if it is a result of an unexpected or extraordinary event.
5 Things Workers' Comp Doesn’t Cover
Although workers’ compensation generally covers all instances of illness and injury that occur while an employee is on the job, there are a few exceptions including:
- Injuries that occur while an employee is under the influence of drugs or alcohol: Most states prohibit work comp claims for injuries or illnesses that occur while employees are under the influence of drugs or alcohol. If the employee’s injury occurs at the hands of someone else, benefits may still be available, yet difficult to obtain.
- Injuries that occur while an employee is off company grounds: Unless an employee is conducting work while off-site, work comp will not cover an injury or illness.
- Injuries occurring during the commute to and from the workplace: The commute is not considered a part of the workday, regardless of the distance traveled.
- Injuries occurring during an act that violates company policy: If an employee ignores safety regulations or any other company policy, a claim could be denied.
- Injuries occurring to third parties, including clients or customers: A general liability plan covers third-party injuries or illnesses, not a workers’ compensation policy.
Call American Liberty: Your Workers' Compensation Carrier
Although a workers’ compensation policy covers most injuries and illnesses occurring while an employee is on the job, some instances are not exactly clear-cut. To learn more about American Liberty’s workers’ compensation policy, or to choose American Liberty as your workers’ compensation carrier in Utah or Arizona, give us a call at 801-226-8008 or send us a message.