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The Outsiders

How far does your workers' compensation stretch?

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This story appears in the July 2006 issue of Entrepreneur. Subscribe »

When someone's injured at work, is the injury covered by workers' compensation? If it is, the injured party can't sue. The question gets hazy, though, if the injured party isn't one of your employees.

Consider a recent Ohio case. An employee of Buckeye Metal Co. delivered bins to companies for collecting scrap metal. The driver helped the customers' employees unload the bins from the truck. For one customer, Halcore Group Inc., the driver would let a Halcore employee unload with a forklift. One day, when the usual employee was off, a Halcore supervisor asked the driver to teach an employee how to use the forklift. In the proc-ess, the driver got injured.

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