Errands and Special Missions
When a person runs an errand or takes on a special mission, they are technically covered by the company’s insurance no matter where they are. Any accident that occurs while an employee is working on company time is normally eligible. The only exception would be if they are doing something that is not considered a “company duty”, such as shopping or sleeping.
When a person goes on a business trip, and all of their expenses are covered by the company, it would stand to reason that any accident or injury that occurs would also be covered by their workman’s compensation insurance. While employees may have some down time when they are on a business trip, the company may still be responsible for injuries that are incurred on the trip.
Company property includes sidewalks, grassy areas, and parking lots. Many people forget to include these areas. Company property doesn’t end once you exit the business doors. Any property that is owned and maintained by the company must be covered by its liability insurance. A workers’ compensation attorney will be able to determine where public property begins and company property ends