Typically, if an employer carries workers’ compensation insurance, all injuries sustained by the employee while on work premises will be covered by workers’ compensation. Similarly, all injuries sustained by the employee while the employee was acting within the “course and scope” of employment will also be covered by workers’ compensation. For example, an injury sustained by an employee while driving a vehicle (regardless of whether the car is owned by the company or the employee) for work purposes will be covered by workers’ compensation even though the employee is not physically on work premises.
Workers’ compensation insurance also covers certain illnesses and occupational diseases resulting from the condition of the employee’s trade or occupation. These illnesses and diseases may stem from long exposure to toxic or noxious chemicals.
In California, the following incidents are not typically covered by workers’ compensation insurance:
- Self-inflicted Injuries.
- Injuries sustained while off duty.
- Injuries or illness arising from intoxication on company time or premises.
- Injuries sustained as a result of an employee’s disregard for safety procedures and best practices.
- Injuries sustained by the initial aggressor of a fight.