Call Us Today For A Free Quote | (318) 251-1212
  • Home
  • About Us
    • About Us
    • Employee Directory
    • Terry T. Bromell - In Memoriam
    • Our Locations
    • Privacy Policy
  • Products
    • AutomobileImage of right arrow
      • Automobile Insurance Home
      • Auto Insurance Quote
      • Request ID Card for Auto Policy
      • Add Vehicle to Existing Auto Policy
      • Remove Vehicle from Existing Auto Policy
      • Add Driver to Existing Auto Policy
      • Remove Driver from Existing Auto Policy
    • HomeownersImage of right arrow
      • Homeowners Insurance Home
      • Homeowners Insurance Quote
    • MotorcycleImage of right arrow
      • Motorcycle Insurance Home
      • Motorcycle Insurance Quote
      • Request ID Card for Motorcycle Policy
      • Add Motorcycle to Existing Policy
      • Remove Motorcycle from Existing Policy
      • Add Driver to Existing Motorcycle Policy
      • Remove Driver from Existing Motorcycle Policy
    • Business & CommercialImage of right arrow
      • Business & Commercial Insurance Home
      • Commercial Auto Insurance Quote
      • Request ID Card for Commercial Auto Policy
      • Add Vehicle to Existing Commercial Auto Policy
      • Remove Vehicle from Existing Commercial Auto Policy
      • Add Driver to Existing Commercial Auto Policy
      • Remove Driver from Existing Commercial Auto Policy
      • General Liability Quote Form
      • Business Owners (BOP) Quote Form
      • Professional Liability Quote
      • Errors & Omissions Request
      • Directors & Officers Request
      • Business Identity Theft Quote
    • Recreational VehicleImage of right arrow
      • Recreational Vehicle Insurance Home
      • Recreational Vehicle Insurance Quote
      • Request ID Card for Recreational Vehicle Policy
      • Add Recreational Vehicle to Existing Policy
      • Remove Recreational Vehicle from Existing Policy
      • Add Driver to Existing Recreational Vehicle Policy
      • Remove Driver from Existing Recreational Vehicle Policy
    • LifeImage of right arrow
      • Life Insurance Home
      • Life Insurance Quote
    • Workers CompensationImage of right arrow
      • Workers Compensation Insurance Home
      • Workers Compensation Quote
    • Toy VehiclesImage of right arrow
      • Toy Vehicles Insurance Home
      • Toy Vehicles Insurance Quote
    • Oil & GasImage of right arrow
      • Oil & Gas Insurance Home
      • Oil & Gas Insurance Quote
    • Watercraft & BoatImage of right arrow
      • Watercraft & Boat Insurance Home
      • Watercraft Insurance Quote
      • Request ID Card for Watercraft Policy
      • Add Watercraft to Existing Policy
      • Remove Watercraft from Existing Policy
      • Change Primary Operator on Existing Watercraft Policy
  • Resources
    • Make a Payment
    • Refer a Friend
    • Important Links
    • Insurance Glossary
  • Blog
  • Contact
Bromell Agency, Inc. Providing great insurance quotes and expert advice from professionals in the industry
 
Home > Blog > Will Workers Compensation Cover Injuries Outside The Building?
WEDNESDAY, MARCH 25, 2020

Will Workers Compensation Cover Injuries Outside The Building?

Workers CompensationThe question of workers compensation insurance is less about whether you're on the premises than whether you're on the job. The key phrase there is "on the job." The insurance is there to cover employees injured in the line of duty. Whether you're working in the office or making a delivery three counties over, the insurance follows the job.

This means that an employee injured while not on the job will not be covered by workers compensation insurance. However, that doesn't mean that they can't hold their employer responsible.

For instance, if an employer asks an employee to run some work errands while off the clock, workers compensation might not pay for any injuries sustained in the performance of the task. But the employee may be able to sue their employer over the incident. For this reason — and others — it's never a good idea to ask employees to perform work duties off-the-clock. If something goes wrong, it might not come out of your insurance, but it could very well come out of your pocket.

What About Across State Lines?

Different states have different laws regarding workers compensation across state lines. Every state offers some kind of extraterritorial protection to policyholders, but some states have certain limitations on these benefits. These limitations may include time limits — meaning that an employee may only qualify for workers compensation benefits for a certain number of days. Long-stay work trips, lasting weeks or months, may require the establishment of a business entity — and the purchase of additional insurance — in the other state.

Benefits may even be extended to protect employers and employees outside of the United States. These will almost invariably be restricted to a certain length of time.

While local economy is still important, running a business in the modern day will almost certainly require an out-of-state trip now and then, and running a larger business may require international travel on a regular basis. Fortunately, workers compensation policies are written with this in mind.

On The Job

The bottom line is simply this: If the employee is on the job, they're generally going to be covered by workers compensation.

As an employer, the safest course of action is always to review your policy and state law when it comes to travel. And don't ask anyone to perform job duties off-the-clock.
Posted 5:01 PM

Tags: workers compensation
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

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
  • 2025
  • 2024
  • 2023
  • 2022
  • 2021
  • 2020
  • 2019
  • 2018
  • 2017
  • 2016
  • 2015
  • 2014
  • 2013

  • insurance(61)
  • shreveport(24)
  • louisiana(24)
  • coverage(22)
  • business insurance(21)
  • auto insurance(16)
  • home insurance(15)
  • policy(14)
  • business owners(8)
  • commercial auto insurance(8)
  • commercial(8)
  • workers compensation insurance(7)
  • commercial insurance(6)
  • homeowners(6)
  • liability(5)
  • ruston(5)
  • workers compensation(5)
  • general liability insurance(5)
  • motorcycle insurance(5)
  • business(5)
  • rv(5)
  • vehicle(5)
  • motorcycle(4)
  • recreational(4)
  • workers(3)
  • compensation(3)
  • commercial property insurance(3)
  • life insurance(3)
  • commercial auto(2)
  • whole(2)
  • homeowners insurance(2)
  • general liability(2)
  • winter(2)
  • commercial property(2)
  • life(2)
  • retirement(2)
  • flood insurance(2)
  • rv insurance(2)
  • property insurance(2)
  • errors(2)
  • business interruption insurance(2)
  • terms(2)
  • baton rouge(2)
  • general(2)
  • fire(2)
  • boat insurance(2)
  • collision coverage(2)
  • personal umbrella insurance(2)
  • property(2)
  • boat(2)

View Mobile Version
Instant Quote
Get Started
Referrals
We love referrals! And thank you even more for your continued business.
Customer Service
Self policy service any time of the day, directly from our website.
Join Our Newsletter
Stay in touch with the latest events, news and offers we have.
From Our Blog

  • American Collectors Insurance
  • American Modern
  • American Reliable
  • American Strategic Insurance
  • Capitol Preferred
  • CNA
  • Encompass
  • Metlife
Facebook Twitter LinkedIn Google
Stay In Touch With Us Helpful Site Links Contact Us
Sign up now to receive new and updates Home Page
About Us
Get A Quote
Partners
Referrals
Blog
Contact Us

711 North Vienna Street
Ruston, LA 71720
Office: 318-251-1212
Fax: 318-251-3089


880 Bert Kouns Industrial Loop, St B
Shreveport, LA 71118
Office: 318-687-1222

Associations
Powered by Insurance Website Builder
Trusted Choice Trusted Choice