Injuries or illnesses are typically covered only when they "arise out of and in the course of employment." Examples of such injuries are those caused by slipping on a wet or oily surface, lifting heavy equipment, defective machinery, or explosions or fires. Most programs preclude coverage for injuries that occur while you are not acting within the scope of your employment - for example, when you on your day off.

Illnesses that may be covered under the workers' compensation system may arise where the working conditions present extraordinary or unusual risks of contracting an illness; for example, computer workers for carpal tunnel syndrome or coal miners for black lung disease. Careful inquiry into the hazards that may arise out of the scope of your employment can determine whether the illness is one that is a risk present in your particular employment situation, rather than simply common to everyday life.

Slips and Trips

Employers have a duty of care towards their employees, and this extends to ensuring there is a safe working environment.

If you injure yourself by tripping over obstructions in doorways or corridors, slipping on floors where spillages have occurred and not been cleaned or falling from dangerous stairs or ladders you may be able to make a claim for compensation.

Back Injuries

Back injuries are common and you can leave you unable to work for lengthy periods of time. If your job involves lifting heavy objects, you should be trained how to lift safely. If you injure your back at work as a result of inadequate training you may be able to claim compensation.

Severe Injury

You may be able to claim compensation if you suffer a severe injury such as broken bones or severed limbs as a result of defective or dangerous equipment or machinery.

Disease and Other Serious Injury

Some injuries may only appear months or even years after you worked for an employer; for example, after exposure to excessive noise, toxic fumes or chemicals) or because of a lack of proper safety equipment and clothing.