Personal Shoppers Who Are Hurt at Work
South Carolina Workers’ Compensation Lawyer for Personal Shopping Services
Since the outbreak of Covid-19 in early 2020 delivery based businesses have exploded in popularity. Grocery & merchandise delivery services have grown quickly. Amazon purchased Whole Foods to offer delivery through their Prime service. Now almost all major grocery stores and retailers offer some sort of personal shopping and / or delivery service. This boom in the market has created several new jobs, which is great for people struggling through the economic slowdown caused by the Covid-19 business closures and quarantine.
Delivery Driving & Personal Shopping Workers Are Subject to a lot of Danger
While the grocery store is not typically considered a “dangerous work environment” like a factory or construction site, personal shoppers are subject to plenty of potential harm. Not only are they driving for hours a day, but they tend to be at the highest demand when the weather is the worst. Additionally, all of the delivery companies are focused on punctuality and efficiency, meaning the personal shopper at work is constantly in a hurry.
Most people live their whole life without getting hurt in a grocery store, but most people don’t spend 3 to 5 hours a day rushing around a grocery store.
Insurance Coverage for Personal Shopping Employees
An employee injured while working for a personal shopping company will very likely face some pushback from the insurance company regardless of when / how / where they were injured. There are a few possible outcomes to a personal shopper injured at work:
- The personal shopper files a claim as a driver for the company. When you are driving, you should be covered by the insurance for your employer. If you are involved in an auto accident while driving for the company, their auto insurance policy would be responsible for your injuries.
- The personal shopper files a claim due to an injury at the grocery store. In the case that you are hurt while shopping, this would likely be a premises liability claim against the actual store.
- The personal shopper files a claim due to an injury at the house while making a delivery. If you are hurt on the sidewalk, driveway or somewhere else on the property while making a delivery, you would likely pursue compensation against the homeowner’s insurance policy.
In any case, if you are injured as a personal shopper or driver for a personal shopping company, you will likely experience some blame-shifting among the insurance companies. When someone is hurt at work, they will likely need the assistance of an attorney to get all of the compensation that they are entitled to.
Free Consultation - No Up-Front Fees
We provide a free case review for employees who have been hurt at work. If you choose to hire us to help you resolve your claim, you pay nothing out of pocket. We are paid only after we successfully secure a recovery on your behalf. That means if we don’t win, you don’t pay. We look forward to helping you. Contact us today.