A more thorough explanation:

The premises rule, also known as the parking-lot rule, is a principle in workers' compensation insurance that covers injuries sustained by an employee while on the employer's premises. This includes injuries that occur while the employee is arriving at or leaving work.

For example, if an employee slips and falls in the company parking lot while walking to their car after work, their injuries would be covered under the premises rule. Similarly, if an employee is injured while walking into the building to start their shift, their injuries would also be covered.

The premises rule is important because it ensures that employees are protected while on their employer's property, even if they are not actively working at the time of the injury. This helps to promote a safe and secure work environment for all employees.