[fy20]

The same insurance would also cover the employee if they were commuting from their home to an office, and slipped on ice and broke their back. Should the company also make sure that whatever routes their employees take to work are deemed safe? Maybe they should mandate employees take certain routes?

[riedel]

On work place safety I theoretically have to submit a sketch of my home work place and e.g. also need to bring in cables for electrical testing. Yes my employer is generally responsible for a risk assessment (here in Germany) Actually a covid home office risk assessment guidelines provided by such a work place insurer even provided guidelines to account for the mental health effects of being put into home office. For the drive to work, insurance covers the direct path including bringing kids to school or kindergarten. Actually I once had to draw a map that very much detailed the route I have taken because I had a bike accident. Also in hospital you typically will be asked to detail that the accident was on your way to your work after that everything will be automatically handled by the employers insurance. I think the ruling just strengthens the existing system.

[smorgusofborg]

Here in Switzerland, if you work more than 8 hours a week your employer is simply responsible for all accident insurance, working less they can buy limited coverage leaving you to buy your own for off hours.

Health insurance is about 20X more expensive than accident and is none of your employers business so I'm not sure why Americans are fussing.