Are on-the-job injuries covered by workers’ compensation even if I was at fault?
Get Legal Help Today
Secured with SHA-256 Encryption
UPDATED: Jun 19, 2018
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
Most on-the-job injuries are covered, regardless of fault. The workers’ compensation system is designed to provide benefits to injured workers, even if an injury is caused by the employer’s carelessness or the employee’s own carelessness (if the employee tripped because of clumsiness or was not paying attention while operating heavy equipment, for example). Mere carelessness or even recklessness is rarely enough to take the claim out of the realm of workers’ comp.
Coverage may be denied in situations involving self-inflicted injuries, injuries suffered while an employee is committing a crime or injuries suffered when an employee’s conduct violated company policy, like a policy against drug use or drinking on the job.