When evaluating a workers compensation claim stemming from travel, the main question is if the employee was traveling in the course of employment when the injury happened.
The “Coming and Going Rule” is often used to evaluate coverage for an employee who is injured while traveling. It basically says that an employee is not considered to be operating in the course of company duties when coming to, and going home from, work. That rule, however, might not apply if the “coming” or “going” occurs while the employee is on a business trip; workers comp may be the solution.
If you have commercial auto coverage and your employee is injured in an auto accident while driving a vehicle listed on that policy—even if going to a meeting or coming back from it—that insurance may cover medical costs and other expenses. Work closely with your insurance agent or broker to understand the interplay between business auto and workers compensation for such circumstances.
