Anyone who is hurt on the job and has workers' compensation coverage can be eligible for benefits. These injuries may occur at work, when on a work-related errand, at a work event, or as a result of repetitive motion or damage caused by your job over time. It may also include serious injuries such as spinal cord injury or head trauma. Workers' compensation lawsuits are no-fault, which means that it doesn't matter who caused the accident. Workers' compensation insurance does not cover accidents that occur during lunch breaks, on the commute, or if you are intoxicated.