| An employee falls on the treadmill in the company gym. Another is injured during a three-legged race at the company picnic. A third breaks her wrist when she trips over the family dog while working from home. Do these people have grounds for a workers compensation claim? The simple answer: It depends. Did the company encourage or require employees to use the gym, or help offset the cost of a gym membership elsewhere? Was attending the picnic or sack race voluntary, or was it an implied requirement? When some employees telecommute, are home hazards the employer's responsibility? The answer also depends on where the company is located—these injuries may be covered in one state but denied in another. Protect your clients by offering them workers comp coverage from Travelers through Big "I" Markets. Access the product by logging in to Big "I" Markets and selecting Small Commercial Standard Markets. Travelers workers comp is available to member agents in all states except AK, CO, DE, HI, MA, ND, NM, OH, PA, WA and WY. Eligible industries include offices, retail, business segments and restaurants. If you have any questions, contact Tom Spires, commercial underwriter for Big "I" Markets. |