Workers’ Compensation: Why It Doesn’t Cover Travel To & From Work
Workers’ compensation is designed to protect employees if they’re injured while performing their work duties. But a common misconception persists: many people believe they’re automatically covered while travelling to and from work. In most cases, this isn’t true.
Historically, some jurisdictions offered broader coverage for “journey claims,” but these rules have changed significantly. Today, workers’ compensation generally does not apply if an injury occurs during your normal commute.
For example, if an employee slips at a train station on the way to work or is involved in a car accident on the way home, this typically falls outside the workers’ compensation framework.
Why the exclusion? The key reason is that standard commuting is considered a personal activity, not one undertaken “in the course of employment.” Employers typically have no control over where employees live, how they travel or the risks involved in their commute.
However, there are limited exceptions. Workers’ compensation may apply if:
- The employer directs or requires you to travel as part of your job
- You are travelling between work sites
- You’re attending an off-site meeting, client visit or training
- You’re using a company vehicle under specific work-related conditions
- There is a clear and direct connection between travel and your employment duties
The misconception often arises because many people assume workers’ compensation works like broader personal accident insurance. It doesn’t. It is intended only to cover injuries sufficiently linked to work activities or requirements.
Understanding this distinction is important for both employers and employees. Employers should ensure staff know what is and isn’t covered, and employees should consider whether they need their own personal insurance for situations outside the workplace.
In short, commuting injuries are generally not covered under workers’ compensation. Clear communication and awareness can help prevent misunderstandings during an incident.
If you have any questions about workers’ compensation, speaking to a legal adviser can be the best option to ensure that you and your business are prepared for what may come in 2026.
IMPORTANT NOTICE
This blog post contains general information only and has been prepared by Allworths without reference to your objectives, financial situation or needs. Allworths cannot guarantee the accuracy, completeness or timeliness of the information contained here. By making this information available to you, we are not providing professional advice or recommendations. Before acting on any of the information contained here, you should seek professional advice.
