Filed Under:Markets, Workers Compensation

Coverage Query: Workers' Comp and Meal-Time Injuries

FC&S recently received a question from a subscriber asking about liability coverage for injuries a restaurant employee suffered while on a lunch break from work. The details were a little sketchy (we don’t know the state or exactly how she was injured), but the gist of the situation was that the claimant had taken a meal break from waiting tables. She paid for the meal with rewards points. During the break she was “also watching her tables” and “would get up as needed,” apparently to serve them. Somehow she was injured during this time period.

The Workers’ Comp carrier denied coverage on the basis that the injury did not arise out of the course and scope of the claimant’s employment. The agent asked whether we thought the restaurant’s Businessowners’ policy should pay under the liability section.

Featured Video

Most Recent Videos

Video Library ››

Top Story

Baby, it’s cold outside! Here are 6 tips for staying safe in sub-zero temperatures

Extreme temperatures bring risks to people and property. Make sure you are taking care of yourself and your surroundings.

Top Story

5 ways insurance agencies can improve their websites

The way people use the Internet has changed over the past few years. Has your website changed with it?

More Resources

Comments

eNewsletter Sign Up

Workers' Comp Watch eNewsletter

Receive critical business insights into issues related to worker's comp insurance. Sign Up Now!

Mobile Phone

Advertisement. Closing in 15 seconds.