Most contractors know that an employee who is injured on the job or in the course of employment is entitled to workers compensation benefits. Often, the circumstances of the injury are straightforward — a carpenter gashes her hand on a piece of rebar or trips over some scrap lumber on the deck and breaks her ankle — but sometimes it's questionable whether or not the employee was "on the job." Often, the circumstances determine how the law is applied. Most contractors appreciate the protection workers comp insurance provides, but they also complain about high premiums. Since those premiums fluctuate depending on a company's claims record, it's important to keep injuries to a minimum. As the following examples show, however, accidents can
