Covered Injuries Overview

For purposes of workers’ compensation, an injury is deemed to be job-related:

• When it arises out of employment (AOE), based on the particular risks presented by the employment; and
• When it occurs in the course of employment (COE), so that the injury occurs while the employee is performing work.¹

In California, an industrial injury does not have to be a physical injury; it can also be an emotional injury due to stress or trauma caused by the employment. You may also have to provide compensation for injuries related to stress. For a complete discussion of