Insured Solutions
Insured Solutions

Are employees always covered under workers’ comp while working on site?

States vary on whether employees are covered in every circumstance while on company property.

Any time an hourly worker is on the clock, workers’ comp kicks in for an injury. But when that employee punches out, WC is typically not responsible.

However, employees are covered by workers’ comp for any reason during company-sponsored events on site if attendance is mandatory. If attendance is voluntary, coverage in not guaranteed, but to make sure, management must make it clear in written communications that attendance is optional.

If drinking is allowed at onsite events, your client must provide transportation – cabs or designated drivers – to help lessen risk. Additionally, if possible, your client should think about banning motorcycles and 3-wheel vehicles from events to lessen risk.