Does Workers Comp Cover Business Travel?

By Robert Palmer

The answer to this question is not as straightforward as it may seem.

Workers compensation is a form of insurance that provides medical and wage replacement benefits to employees who are injured or become ill due to the nature of their job. Generally, workers compensation will cover medical costs and lost wages associated with an injury or illness that occurs while an employee is on the job.

However, workers comp coverage for business travel can be complicated. It may depend on where the employee is traveling, how they are traveling, and what they are doing while they are away from their home base.

For instance, if an employee is traveling within their home state for business purposes, their injuries may be covered by workers comp. However, if the employee is traveling out-of-state for work purposes and gets injured while away from home, it may be more difficult to have those expenses covered by workers comp.

It’s important to note that even if an employee travels for business purposes, they must still meet all state laws regarding workers compensation in order for any expenses to be covered. That means that if a state requires employers to carry workers comp insurance, then the employee must still be covered even when they travel out of state.

It’s also important to remember that not all types of injuries or illnesses will be covered by workers comp while on a business trip. For instance, if an employee injures themselves while engaging in recreational activities while away from home, their medical bills might not be covered by workers comp.

Additionally, employers need to make sure they have all necessary paperwork in order in case of any injury or illness while on business trips.

Conclusion:

In conclusion, whether or not workers’ compensation covers business travel depends on a variety of factors including where the employee is traveling and what activities they are engaging in during their travels. Additionally, employers need to make sure they have all necessary paperwork in order in case of any injury or illness while on business trips. However, generally speaking if an employee is injured or becomes ill due to the nature of their job then their medical and wage replacement benefits should be covered by workers’ compensation.