|Post by Kristian Cross|
The underlying facts to Pennsylvania National Mutual Casualty Insurance Company v. DOSCHER'S SUPER MARKETS, Dist. Court, D. South Carolina 2012, bring up two common workers’ compensation questions.
2) Is an assault by a co-employee compensable under the Act? For an assault to be compensable under the Act, it must arise out of and in the course of employment. The parties in this case agreed the shooting occurred in the course of his employment. The issue was whether the shooting arose out of his employment. The court in this case pointed out, the phrase “arising out of” is interpreted differently in workers’ compensation policies versus CGL policies. South Carolina courts construe workers’ compensation policies in favor of a finding that the accident did “arise out of” the employment, whereas, CGL policy exclusions are construed in favor of finding that an accident did not “arise out of” the employment. “Arise out of” is narrowly defined as “caused by” in CGL policies such as the one in this case. However, the phrase is more broadly construed in the workers’ compensation context and an employee only has to prove a causal connection between the assault and his or her employment to be covered under the Act.
Thorne and others testified that the shooting occurred because of the shooter’s jealousy over Thorne’s friendship with a female co-employee. Generally, assaults arising out of purely personal transactions are not considered compensable. However, Thorne allegedly reported the shooter’s threats to his supervisor. The case was voluntarily dismissed before the Commission could make a ruling on whether benefits were owed under these circumstances.
Practice tip: A workers’ compensation policy does not protect you against liability from all injuries that occur at work. Look to both your CGL and workers’ compensation policies when you have claims, like an assault of an employee, which may be dual in nature.