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  1. #201
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    Quote Originally Posted by Pesca77 View Post
    Can you please clarify what you mean by 'on the way to work'?

    If you meant within the building on way to desk or whatever, then yes you are at work on their premises etc As the law stands today you would totally be covered.

    If you meant literally on the way to work, e.g. Haven't arrived yet, slipped at home/train station etc then I wouldn't think that would be covered by workers comp? I could be wrong though so would be interested if anyone here has first hand knowledge?? I'm genuinely curious as to whether traveling to work (not yet started/arrived) is covered.
    At my work place we take out 'gap cover' it covers our employees traveling into work as the work cover policy didn't cover travel to airports etc outside of work hours. Cover started once our employees arrived at their destination(if flying then travel insurance covered them)

    Or for example an employee was meeting a client at 9am so went strait to client location before 'clocking on' at work it was unclear if work cover would take a claim or not.

  2. #202
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    Quote Originally Posted by VicPark View Post
    And you're missing the whole point of my argument: an employer shouldn't be responsible unless they are negligent. I see you dont want to see it any other way so I'll leave it there.
    Fair enough. But work cover exists. It covers when the employer wasn't directly at fault. I think it's better the employer be responsible as well because the more they have claimed their premiums go up? So while say employees tripping over their own feet going down stairs for lunch isn't the employers fault if it happens often and it's costing them more money they probably would invest in some non-slip strips for the stairs - for example.

    If they put up their employees in a particular hotel and they bare the cost of a premium increase because the hotel fittings fall off the wall injuring their employees they would probably consider alternative accommodation.

    Most employers try to do the right thing by their employees when it comes to avoiding them coming to bodily harm - but many really don't so unless you can prove that it was the employers negligence and a lot of the time it probably isn't black and white, like a factory injury where someone looses a finger is black and white, but if we are going with the employer isn't directly responsible if say employee 1 plugs their iPhone in and employee 2 trips over the cord injuring themselves - the employer isn't at fault - so who covers the cost of their time off and medical fees?

  3. #203
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    Quote Originally Posted by VicPark View Post
    And you're missing the whole point of my argument: an employer shouldn't be responsible unless they are negligent. I see you dont want to see it any other way so I'll leave it there.
    No- I actually said I saw how you could be seeing it this way, several posts back. All I was trying to get you to do was recognise the system you suggest puts a financial burden on the government as many would not be able to afford IP insurance, and as others have pointed out, this type of insurance is difficulty to claim unlike WC which can covet you straight away. I don't see why an employer shouldn't be responsible unless they are negligent" yet a government department who has zero to do with said workplace should be responsible- they haven't been negligent, yet you think they should pay??

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