Wait v. Travelers Indemnity Co.

240 S.W.3d 220 (2007)

Quick Summary

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Kristina Wait (plaintiff) sought workers’ compensation benefits after being assaulted at her home office, which was approved by her employer, American Cancer Society. Travelers Indemnity Company of Illinois (defendant) denied her claim.

The dispute centered on whether Wait’s injuries arose out of and occurred in the course of her employment. The Supreme Court of Tennessee concluded that while the injuries happened during her employment, they did not stem from her employment duties, affirming the chancery court’s decision against compensation.

Facts of the Case

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Kristina Wait (plaintiff) was employed by the American Cancer Society (ACS) as Senior Director of Health Initiative and Strategic Planning. Due to space limitations at the ACS’s Nashville facilities, Wait was permitted to work from her East Nashville home, which she equipped as a functional office with the ACS’s approval and provided equipment. Wait’s home office was used for daily work tasks and meetings with supervisors and colleagues.

On September 3, 2004, while preparing lunch at home during work hours, Wait was assaulted by Nathaniel Sawyers (Sawyers), a neighbor who had previously interacted socially with Wait and her husband. The assault resulted in severe injuries to Wait.

Wait filed for workers’ compensation benefits from Travelers Indemnity Company of Illinois (defendant), the insurer for ACS, claiming her injuries arose out of and occurred in the course of her employment. Travelers Indemnity denied that the injuries were related to her employment and filed a motion for summary judgment, which the chancery court granted.

Procedural Posture and History

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  1. Kristina Wait filed a complaint seeking workers’ compensation benefits from Travelers Indemnity Company of Illinois.
  2. The defendant denied that the injuries arose out of or occurred in the course of employment.
  3. The chancery court granted the defendant’s motion for summary judgment, concluding that the injuries did not arise out of or occur in the course of employment.
  4. Wait appealed the decision to the Supreme Court of Tennessee.

I.R.A.C. Format


Issue Icon

Whether Wait’s injuries sustained during an assault at her home arose out of and occurred in the course of her employment with ACS, thereby entitling her to workers’ compensation benefits.

Rule of Law

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In order for an injury to be compensable under the Workers’ Compensation Act, it must both ‘arise out of’ and occur ‘in the course of’ employment. Additionally, telecommuting arrangements pose unique challenges in applying these standards.

Reasoning and Analysis

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The Supreme Court of Tennessee held that while Wait’s injuries occurred ‘in the course of’ her employment since she was on a permissible lunch break at her home office sanctioned by ACS, they did not ‘arise out of’ her employment.

The assault by Sawyers was classified as a ‘neutral assault,’ unconnected to Wait’s work duties or personal life, and not exacerbated by her employment. The Court found no evidence that Sawyers targeted Wait because of her association with ACS, nor did her employment expose her to public risks inherently connected to the assault.

Therefore, the causal connection required to deem the injury as ‘arising out of’ employment was not present.


Conclusion Icon

The Supreme Court affirmed the chancery court’s decision that Wait’s injuries did not arise out of her employment and thus were not compensable under the Workers’ Compensation Act.

Key Takeaways

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  1. An injury must ‘arise out of’ and occur ‘in the course of’ employment to be compensable under workers’ compensation laws.
  2. Telecommuting arrangements require careful consideration when applying these standards, as traditional workplace boundaries are altered.
  3. ‘Neutral assaults,’ which are neither related to employment duties nor personal disputes, do not satisfy the ‘arising out of’ requirement for workers’ compensation claims.

Relevant FAQs of this case

What conditions must be present for an injury to qualify as 'arising out of employment' in workers' compensation claims?

An injury ‘arises out of employment’ when there is a causal connection between the injury and the duties or circumstances of the employment. The job must expose the employee to the particular danger or risk that led to the injury.

  • For example: A delivery driver injured in a car accident while making deliveries is exposed to road risks directly because of their job duties.

How do courts differentiate between a work-related injury and a personal risk in telecommuting arrangements?

Courts assess whether the injury is a direct result of work tasks or if it stems from purely personal activities unrelated to the job. They consider the location, time, and activity the employee was engaged in when the injury occurred.

  • For example: If an employee trips over their pet while walking to their home office, it’s considered a personal risk rather than a work-related injury.

In what scenarios can an employer be held liable for injuries sustained by an employee working remotely?

Employers can be held liable for remote work injuries if they result from the employee’s work tasks or from conditions mandated or endorsed by the employer as part of the work environment.

  • For example: If an employer requires use of specific equipment that causes an injury, they may be liable as it’s part of the sanctioned work setup.


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