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Court grants workers comp to employee who looked at phone while driving

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An appeals court in Virginia has upheld a previous court ruling that an employee was entitled to workers compensation damages following a car accident that occurred after she looked at her cellphone to see if her employer was calling.

The accident occurred when an on-call nurse saw her screen of her phone light up in her pocket, which she believed to be her employer, and while distracted, her vehicle skidded across the road and crashed into a bank.

Judges said that because the nurse had taken steps to reserve her cellphone – which served as a backup to a pager – for work purposes, her injuries for the crash were directly related to her job. However, the court was also careful to say that the change a person’s employer might be calling wouldn’t be grounds for similar claims in all situations.

“Cellphones and other communication devices are now ubiquitous. Employers commonly contact employees through such devices,” the court’s opinion said.

While the scope of the case was somewhat limited, it may show the need for effective business insurance for companies who have dedicated on-call workers, such as lawyers or other professional services firms.

 

General Liability Insurance

What Is General Liability Insurance? Commercial General Liability Insurance protects small-business owners from claims of injury, property damage, and negligence related to their business activities.

Workers’ Compensation

What Is Workers’ Compensation Insurance? Workers’ compensation insurance covers your employees’ medical expenses and at least some portion of their lost wages if they are injured on the job.

Business Owners Policy

What Is a Business Owners Policy? A BOP is simply bundled insurance designed to provide essential coverage to certain business owners at a competitive price. A BOP insurance coverage includes

Professional Liability Insurance

Professional liability insurance also called , errors and omissions insurance (E&O; insurance), protects you if a client claims that your services caused them to suffer a financial loss. While general liability insurance is primarily focused on property damage or bodily injury,

Disability Benefits Insurance

Employers in New York State are obligated to offer disability benefits insurance to their employees. This coverage is specifically designed to provide financial assistance in the event of off-the-job injuries or illnesses.



Business Umbrella Insurance

Without Business Umbrella Insurance (also sometimes called Umbrella Liability Insurance or Excess Liability Insurance ), you would have to pay the uncovered expenses out-of-pocket. Even if you carry General Liability Insurance for your business, without business umbrellainsurance you might face a repair, settlement, or judgment in excess of your coverage limit.

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