Which term describes risk that is personal and not related to employment?

• A. Special Mission Exception
• B. Personal risk
• C. Commercial traveler rule
• D. Exclusive remedy

Answer: (B)

A risk that is personal and not related to employment is one that comes from the individual’s own activities outside the job duties. In workers’ compensation terms, injuries that arise from personal activities are not compensable because they don’t arise out of and in the course of employment. The term that fits this idea is personal risk.

The other terms describe different concepts: the Special Mission Exception covers certain off-duty tasks that are still tied to the employer’s mission, which keeps the injury within employment-related coverage; the Commercial Traveler Rule relates to coverage for traveling sales staff; and Exclusive remedy refers to workers’ comp being the sole remedy for work injuries, not the nature of the risk itself.