DeskPhoneDestroyer

Team Lead

Catalyst

Valued Contributor

Praised Answer

If you get hurt on a hoverboard in your office is your company financially responsible?

If you get hurt on a hoverboard is your company financially responsible?

Attached poll

Yes No

*Voting in this poll no longer yields commission.

🐱 Off-Topic

42 comments

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RaymundoFlex

Opinionated

the only thing more embarrassing than hurting yourself on your company hoverboard would be suing and holding them responsible

CoorsKing

WR Officer

Retired King of the Coors Knights

This is a random question lol.

I think it would depend on if it was their hoverboard and if they told you to use it?

If I eat taco bell and shit my pants at work they don't have to buy me new pants, but if I eat the company provided food and get sick then they in theory would be responsible. It also depends on your company handbook and what limitations of liability you agreed to.

funcoupons

WR Officer

👑

Is your example from real world experience Meech?

CoorsKing

WR Officer

Retired King of the Coors Knights

I did actually get really bad food poisoning from the office food once, along with 50+ others. They fired that vendor, had pizza for the rest of the month, and I got to take a week off.

funcoupons

WR Officer

👑

Yikes. Hope your office had a lot of bathrooms...

CoorsKing

WR Officer

Retired King of the Coors Knights

They did not. Pure survival of the fittest.

DeskPhoneDestroyer

Catalyst

Team Lead

BigMeech my coworker has almost died on our company owned hoverboards more than once. Just preparing for the inevitable.

CoorsKing

WR Officer

Retired King of the Coors Knights

Lol. Outside of investing in a helmet and maybe staying off the board, I would def recommend checking the handbook on what they will cover for workers comp.

BigCheese

Notorious Answer

Agency Recruiter

I hope this seemingly recurring theme of shitting pants as a result of taco bell continues in the WR

CoorsKing

WR Officer

Retired King of the Coors Knights

As long as I am in here and Taco Bell exists I can guarantee it will

CaneWolf

Politicker

Call me what you want, just sign the damn contract

I'm slowly becoming convinced you're a psychologist planted in the WR to study us.

ColdCallFartBoy

Celebrated Contributor

Business Development Representative

I would not be thrilled if my employee was goofing around on a hoverboard!

paddy

WR Officer

Director of Business Development

Just looking at the results of this poll, it's clear nobody here possesses a law degree.

Incognito

WR Officer

Master of Disaster

I hadn't commented yet. Had shit to close.

Hotlead

Politicker

Producer

All I do is sell commercial insurance for workers' compensation, this would be a work comp claim yes if you not really hurt I wouldn't file a claim bc your CEO will be pissed, especially if you're in California.

Your company is financially responsible? Yes
Should you do anything if you arent actually hurt? No

ChicagoCloser1717

Politicker

New Business Development Representative

I was known at my old job as hoverboard guy. The company was afraid I wuld injure myself. I told them they wuldnt be responsible but my cowardly former manager still demanded I stop riding.

sneakysnek

Politicker

KCSM

Surprised by the yes's - should I be holding my company responsible for that time I got hit in the back of the head with a basketball while on a call?

Startup culture is wild.

Blackwargreymon

Politicker

MDR

I would not be thrilled if my employee was goofing around on a hoverboard.

poweredbycaffeine

WR Lieutenant

☕️

Did they give it to you as a means of transportation, as issued by the company? If the answer is no, then you haven't a snowball's chance in hell getting a dime from the company.

DeskPhoneDestroyer

Catalyst

Team Lead

They are just scattered around the office so the people can rip them during the day. Some people suck though and scorpion right next to the windowsill.

Incognito

WR Officer

Master of Disaster

ok, see my comment (which I apologize, I didn't read the other comments first).

Yeah, if they provided them, then their workers comp policy would respond.

What state is it?

Incognito

WR Officer

Master of Disaster

*puts on her risk manager hat*

You're literally giving no context, so it's impossible to say.

Are hoverboards approved for use in the office? General "roughhousing" will void any workers comp coverage, even if you're on the clock in front of your manager who is cheering you on. If they are approved for use and it's on company property, and you're doing it for work related activities, then yes the company's workers compensation policy would respond.

If you are in an action over state (like NY), you can not only collect from your employer's workers comp policy, but if there are "unsafe working conditions" - you can sue the building owner as well and collect twice. This is assuming that using a hoverboard isn't excluded in the policy and is permitted for work purposes.

If you company has no workers comp and hoverboards are approved, sue the shit out of them and everyone else.

Anyone else want to know what to do to collect the maximum amount from a workers comp claim?

Hotlead

Politicker

Producer

Lol you are the exact reason I have a job..

Incognito

WR Officer

Master of Disaster

Care to elaborate………?

Hotlead

Politicker

Producer

Don't like arguing online just never seen an insurance broker say anyone else want to know how to collect the max amount from a claim, sounds backwards to me.

Incognito

WR Officer

Master of Disaster

I’m here to be a resource. I know what the carriers and policy holders want you to do, but I also know what is best for the individual employee. I have an open claim for myself right now, and it was actually the claims department internally who guided me to collect maximum value.

I can give advice as to what to do when you fall into each category if that helps?

not trying to start an argument. I honestly don’t know what it is you actually do, as your WR profile says SDR. Hence my follow up question.

Hotlead

Politicker

Producer

I'm a jr broker at an insurance Agency and all we deal with is WC.
Collecting max value for a claim is so that everyone can make money, doctors, lawyers, insurance carriers, brokers. That is how they keep the lights on, its not in the best interest of the policyholder, it's in everyone else's best interest, is the point I was trying to make.

Incognito

WR Officer

Master of Disaster

I completely understand where you’re coming from. And you’re 100% correct. Higher claims costs push up carrier reserves and in turn higher premiums (and Ex Mod). To be fair, in this brick hard market, WC is the only line of coverage that hasn’t seen increases (though we both know that will change soon).

But as an employee on a one off basis (aka the WR peeps), not taking the settlement (depending on the injury) and never closing your medical will help individually them in the long run (for example, I have permanent partial loss of use for my right arm with plates and screws and whatnot. If I choose to have those plates removed and/or this is a contributing factor to an injury in the future and I took the settlement, I would have no coverage). I’m probably going to negotiate a twice per year covered physiotherapy visit, keep the medical open and close the rest.

what would you suggest differently?

Hotlead

Politicker

Producer

Yeah, it will be subject to change soon, I will say the company I work for our whole business model is surrounding the X-Mod so our goal isn't to neglect the employee but we act 100% for the policyholder.

I mean it totally depends if its an injury you got at work or playing volleyball at the beach.

If it was something at work, with that amount of surgery I'm assuming it would go over the primary threshold and in that case the insurance carrier is taking the loss, not the policyholder. We most likely would keep that claim open and while have you on modified duty.

Incognito

WR Officer

Master of Disaster

So Modmaster or something similar? Do you also get super meta about it with class codes and payroll analysis via ocip/ccip, etc? Sorry - I get excited about being able to talk about nerdy insurance stuff!

I also represent the policyholder 100% (even though the brokerage itself is mindful of the carrier relationships, and I’ll take a bullet for my surety underwriters).

FWIW my injury was at my old job and occurred in 2018. Oh and I only took two weeks off work because I’m insane lol

GDO

Politicker

BDM

Well if it happens during office hours in the office, they re problably responsible. Atleast that s how it works in Belgium. Even if you’re the one stupid enough to fall and make bad decisions.

hurtscuzimold

Opinionated

Dude abiding

Actually depends why tf you were on a hover board. I got hurt outside the office on an e scooter and had to just suck it up. Blood and all dripping from my chin had to take my spot and start dialing. Good times.

slaydie

Big Shot

Account Executive

ohhh boyyy, guessing you got hurt on your hoverboard hahaha

Mr.Pickles

Arsonist

Sr. Customer Success Manager

this is super situational haha but I think the most accurate fact is what @RaymundoFlex said xD

Socialatte

Good Citizen

Spray N' Pray

Your company is liable, although you probably shouldn't file a claim against them in most scenarios for obvious reasons.

NoSuperhero

Politicker

BDR LEAD

I want to say, emotionally: NO
Legally: Yes, and you gotta go to worker's comp. Idiot.

Kinonez

Celebrated Contributor

War Room Enthusiast

Hahaha no, why would they?

neversettle

Politicker

SDR

I'm just here for the story!

thesecretsauce

Politicker

Business Development

I remember having this question in business law class. What happens if you and your coworkers are out after work at a bar and then you end up like shooting a client…..who is responsible🤣

Clashingsoulsspell

Politicker

ISR

I would not be thrilled if my employee was goofing around on a hoverboard!

Error32

Politicker

ISR

Because they know the only time you get to see naked chicks is on the hub and they're not totally cruel.

Mr.Floaty

Politicker

BDR

I think the most important aspect is that it's relevant.

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DeskPhoneDestroyer

If you get hurt on a hoverboard in your office is your company financially responsible?

If you get hurt on a hoverboard is your company financially responsible?

42 comments

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