Are Occupational Accidents Covered Under Workers' Compensation?

Yes. Occupational accidents are unforeseen and unanticipated incidents that occur during the span of employment and result in harm to one or more workers.

A technician at a factory suffers a burn accident while operating a high-temperature furnace on site, leading to medical treatment and days off work for healing. This incident is covered as an occupational accident.

What if my employee burned his hand while driving to work?

No, coverage under your Workers’ Compensation policy is not triggered. If the burn happened from a coffee spill while commuting to work, or during a voluntary work BBQ, these incidents would not be classified as occupational accidents.