You likely commute to work without considering what happens if you’re injured along the way. It’s a fair question: Does workers’ compensation extend to accidents during your commute? Generally, the answer is no, but important exceptions exist that can change the outcome.
The “coming and going” rule explained
Florida workers’ compensation law follows the “coming and going” rule. This principle excludes most accidents that happen while traveling to and from your regular workplace. In other words, if you’re injured during your normal commute, you’re typically not entitled to benefits.
However, this rule doesn’t apply across the board. If you’re completing a job-related task while traveling, such as transporting equipment or attending an off-site meeting, your commute may qualify as compensable under workers’ comp.
Job-related travel and eligibility
If your responsibilities require you to be on the road—whether for client visits, deliveries, or traveling between job sites—your time behind the wheel likely counts as part of your work duties. Injuries sustained during such travel may be eligible for compensation.
Additionally, if you’re running an errand at your employer’s request or reporting to a non-standard location, your travel could be considered work-related. These exceptions help protect workers whose job functions extend beyond the confines of a fixed workplace.
When employer involvement changes the rules
If you’re commuting in a company-owned vehicle or being compensated for travel time, the nature of your commute shifts. In these cases, your travel may be deemed part of your employment. Similarly, if you’re traveling for a temporary assignment or attending a mandatory training away from your regular location, workers’ compensation may apply.
While standard commuting isn’t covered by workers’ compensation, exceptions apply when travel serves a direct work function. If your employer benefits from your travel or provides compensation for it, your injuries may fall under coverage.