Workers’ Compensation Insurance does not cover injuries that are not work-related, such as those sustained during a personal activity outside of work. Additionally, it does not cover self-inflicted injuries or injuries resulting from employee intoxication or substance abuse. For protection against these types of incidents, businesses may need to consider additional forms of insurance, such as general liability insurance.
What does Workers’ Compensation Insurance not cover?
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DISCLAIMER: Informational statements regarding insurance coverage are for general description purposes only. These statements do not amend, modify or supplement any insurance policy. Read your policy or consult with your agent for details. Your eligibility for particular products and services is subject to final underwriting and acceptance by the insurance company providing such products or services.
This website does not make any representations that coverage does or does not exist for any particular claim or loss, or type of claim or loss, under any policy. Be sure to read the policy, including all endorsements, or prospectus, if applicable.
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