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What Does Workers Comp Insurance Not Cover?

Whether you already have your workers comp insurance policy or still want to get one, you have to be aware of its limitations before moving forward. It will help you protect yourself from any legal or financial repercussions down the line.

Listed below are some of the many limitations there are if you decide to get workers comp insurance for yourself and your company.

  1. Any Injury That Happened Outside Of Work Hours And The Workplace Is Not Covered First off, Worker's Comp Insurance will not cover any accident or injury outside the workplace. If, for example, you got sick after hours and you happen not to be able to go to work because of it, it will not be under the purview of your worker's comp insurance to pay you despite your absences.

  2. Be Sure That It Falls Under the Workers' Compensation Act Of 1923 Secondly, you have to make sure that the incident is recognized under the Workers' Compensation Act Of 1923. If this ordinance does not recognize any accidents causing injury, they will not be covered by your workers' compensation insurance. It will help you research more about recognition under The Workers Compensation Act so that you would know your rights as an employer and as an employee.

  3. War-Related Injuries Third, if you have war-related injuries that can cause you not to be able to work full time, this will not be covered by your workers' compensation insurance. It would help you consult your insurance company for any other policy that might help you as a war veteran.

  4. Injuries That Do Not Lead To Fatalities Or Disability Within Three Days Fourth, your injury must lead to partial or full disability or mortality within three days. Otherwise, it will not be covered by your workers' compensation insurance policy.

  5. Injuries Caused By After-Hours Recreation Lastly, any injuries incurred through recreational activities after work are not covered. If you get injured because of sports activities after work hours, be prepared for payment of medical expenses out of your pocket.


With these pointers, you can prepare yourself financially for any hospital or medication bills that may have to be paid if you get injured. If you truly want to be aware of your rights as an employee, research the Workers' Compensation Act of 1923 and read the policy through.

At Second Western Insurance Services, we do our best to make sure that our clients are well-protected with affordable and comprehensive policies. We make sure to go the extra mile to help you with your needs. To learn more about how we can help you, please contact our agency at (818) 952-5203 or Click Here to request a free quote. Any coverage discussed is not guaranteed. Please contact us today to go over your policy to ensure your needs are met! We are here and happy to help.


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