Most people think of injuries at home as their own responsibility. However, especially if you are working from a home office, that might not be the case.
It is true that, if you own your home, you could find it difficult to hold someone else accountable for the injuries you sustained on the premises. However, there could be some options.
If you are working from home
As explained by The Hartford, an insurance provider, home office injuries could be the responsibility of your employer. Therefore, you could potentially collect benefits under your company’s Workers’ Compensation policy. However, like any such case, it could be difficult to obtain the full compensation you need to put your life back together.
If a faulty product contributed to your injury
If it turns out that you have a Workers’ Compensation claim, you might still have other options. For example, you could pursue a third-party lawsuit.
These types of cases go outside of the employer-employee no-fault system. For example, you could potentially sue the manufacture of a mobile device if a battery exploded. Another example might be if poorly designed office furniture collapsed and injured you.
If a landlord failed to maintain your property
If you rent rather than own, your landlord probably has some responsibility to maintain the property’s common areas. If negligent upkeep contributed to your injury, that could indicate an opportunity to collect compensation.
Sometimes, accidents just happen. However, this is less likely than you might think. In many cases, there is someone somewhere along the line who did not live up to the responsibility to create a safe environment.