Contract worker - stolen items off site: How to ask for reimbursement

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I was in Mexico working as a contract employee for a US tool company.
I went to lunch with one of the workers at the plant I was contracted to work at.
I locked up my back pack with my laptop phone and other items in his trunk.
Thieves broke into his trunk and stole my stuff about $3,000. worth.



I realize I was on my personal time and personal stuff and off site at a restaurant.



I'd like to ask my employer to cover the costs. What is the best way to approach them about it?







share|improve this question


















  • 6




    This will probably come down to the insurance or discretion of your employer.
    – Dukeling
    Aug 13 at 18:28










  • §3000 is a lot of money. COmpany stuff? Because otherwise as employer I would ask you why you walk around with pro camera equipment and no insurance or something like that.
    – TomTom
    Aug 13 at 18:30










  • @TomTom macbook+iphone is already around 3000$, you don’t need special camera gear to reach that sum
    – eballes
    Aug 13 at 18:36











  • Yeah, except if you travel for company I would assume the laptop is owned by the company. And eriously, 3000 is mor elow end cameras. But then, why the **** no proper insurance?
    – TomTom
    Aug 13 at 18:39






  • 1




    Just to be clear, the OP is a contractor, not an employee of the company they are doing work for.
    – Mister Positive
    Aug 13 at 18:40
















up vote
5
down vote

favorite












I was in Mexico working as a contract employee for a US tool company.
I went to lunch with one of the workers at the plant I was contracted to work at.
I locked up my back pack with my laptop phone and other items in his trunk.
Thieves broke into his trunk and stole my stuff about $3,000. worth.



I realize I was on my personal time and personal stuff and off site at a restaurant.



I'd like to ask my employer to cover the costs. What is the best way to approach them about it?







share|improve this question


















  • 6




    This will probably come down to the insurance or discretion of your employer.
    – Dukeling
    Aug 13 at 18:28










  • §3000 is a lot of money. COmpany stuff? Because otherwise as employer I would ask you why you walk around with pro camera equipment and no insurance or something like that.
    – TomTom
    Aug 13 at 18:30










  • @TomTom macbook+iphone is already around 3000$, you don’t need special camera gear to reach that sum
    – eballes
    Aug 13 at 18:36











  • Yeah, except if you travel for company I would assume the laptop is owned by the company. And eriously, 3000 is mor elow end cameras. But then, why the **** no proper insurance?
    – TomTom
    Aug 13 at 18:39






  • 1




    Just to be clear, the OP is a contractor, not an employee of the company they are doing work for.
    – Mister Positive
    Aug 13 at 18:40












up vote
5
down vote

favorite









up vote
5
down vote

favorite











I was in Mexico working as a contract employee for a US tool company.
I went to lunch with one of the workers at the plant I was contracted to work at.
I locked up my back pack with my laptop phone and other items in his trunk.
Thieves broke into his trunk and stole my stuff about $3,000. worth.



I realize I was on my personal time and personal stuff and off site at a restaurant.



I'd like to ask my employer to cover the costs. What is the best way to approach them about it?







share|improve this question














I was in Mexico working as a contract employee for a US tool company.
I went to lunch with one of the workers at the plant I was contracted to work at.
I locked up my back pack with my laptop phone and other items in his trunk.
Thieves broke into his trunk and stole my stuff about $3,000. worth.



I realize I was on my personal time and personal stuff and off site at a restaurant.



I'd like to ask my employer to cover the costs. What is the best way to approach them about it?









share|improve this question













share|improve this question




share|improve this question








edited Aug 14 at 14:15









Myles

25.9k660106




25.9k660106










asked Aug 13 at 18:21









falcon

351




351







  • 6




    This will probably come down to the insurance or discretion of your employer.
    – Dukeling
    Aug 13 at 18:28










  • §3000 is a lot of money. COmpany stuff? Because otherwise as employer I would ask you why you walk around with pro camera equipment and no insurance or something like that.
    – TomTom
    Aug 13 at 18:30










  • @TomTom macbook+iphone is already around 3000$, you don’t need special camera gear to reach that sum
    – eballes
    Aug 13 at 18:36











  • Yeah, except if you travel for company I would assume the laptop is owned by the company. And eriously, 3000 is mor elow end cameras. But then, why the **** no proper insurance?
    – TomTom
    Aug 13 at 18:39






  • 1




    Just to be clear, the OP is a contractor, not an employee of the company they are doing work for.
    – Mister Positive
    Aug 13 at 18:40












  • 6




    This will probably come down to the insurance or discretion of your employer.
    – Dukeling
    Aug 13 at 18:28










  • §3000 is a lot of money. COmpany stuff? Because otherwise as employer I would ask you why you walk around with pro camera equipment and no insurance or something like that.
    – TomTom
    Aug 13 at 18:30










  • @TomTom macbook+iphone is already around 3000$, you don’t need special camera gear to reach that sum
    – eballes
    Aug 13 at 18:36











  • Yeah, except if you travel for company I would assume the laptop is owned by the company. And eriously, 3000 is mor elow end cameras. But then, why the **** no proper insurance?
    – TomTom
    Aug 13 at 18:39






  • 1




    Just to be clear, the OP is a contractor, not an employee of the company they are doing work for.
    – Mister Positive
    Aug 13 at 18:40







6




6




This will probably come down to the insurance or discretion of your employer.
– Dukeling
Aug 13 at 18:28




This will probably come down to the insurance or discretion of your employer.
– Dukeling
Aug 13 at 18:28












§3000 is a lot of money. COmpany stuff? Because otherwise as employer I would ask you why you walk around with pro camera equipment and no insurance or something like that.
– TomTom
Aug 13 at 18:30




§3000 is a lot of money. COmpany stuff? Because otherwise as employer I would ask you why you walk around with pro camera equipment and no insurance or something like that.
– TomTom
Aug 13 at 18:30












@TomTom macbook+iphone is already around 3000$, you don’t need special camera gear to reach that sum
– eballes
Aug 13 at 18:36





@TomTom macbook+iphone is already around 3000$, you don’t need special camera gear to reach that sum
– eballes
Aug 13 at 18:36













Yeah, except if you travel for company I would assume the laptop is owned by the company. And eriously, 3000 is mor elow end cameras. But then, why the **** no proper insurance?
– TomTom
Aug 13 at 18:39




Yeah, except if you travel for company I would assume the laptop is owned by the company. And eriously, 3000 is mor elow end cameras. But then, why the **** no proper insurance?
– TomTom
Aug 13 at 18:39




1




1




Just to be clear, the OP is a contractor, not an employee of the company they are doing work for.
– Mister Positive
Aug 13 at 18:40




Just to be clear, the OP is a contractor, not an employee of the company they are doing work for.
– Mister Positive
Aug 13 at 18:40










3 Answers
3






active

oldest

votes

















up vote
15
down vote













You can ask. The worst thing that will happen is that they say no.



I once had an employer cover costs incurred from a lost passport when travelling for business. I figured it was a long shot but I pitched the idea as "If I weren't travelling for work this would have been safely locked up in my home" and they agreed.



As a non-Workplace SE point if they don't cover you it's worthwhile checking any insurance that you have to see if it may apply. My home insurance covers theft of my property even if it isn't stolen from my home.






share|improve this answer




















  • Worth noting that even most basic renter insurance will cover theft of items left in car after paying the deductible.That's usually required by most rent controlled places. Be sure to get a police report as they'll want to see that.
    – Dan
    Aug 14 at 14:52


















up vote
3
down vote













You’ll need to check what your insurance covers you for whilst away.



I’m not sure whether locking them in the trunk would have been covered but it’s worth checking. No one will be able to advise until you've has the conversation with your employer about cover.






share|improve this answer



























    up vote
    3
    down vote














    Question can I get my employer who sent me to Mexico to pay for these
    items?




    Most likely, you are out of luck. It's worth a check to see if they have an insurance policy to cover that sort of thing, but as a contractor I bet it is up to you to have this type of insurance coverage for your equipment and not the company who contracted with you.



    As an employee, you would need to be familiar with your companies policies and such, but most importantly you would be carrying around the companies equipment and not your own.






    share|improve this answer




















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      3 Answers
      3






      active

      oldest

      votes








      3 Answers
      3






      active

      oldest

      votes









      active

      oldest

      votes






      active

      oldest

      votes








      up vote
      15
      down vote













      You can ask. The worst thing that will happen is that they say no.



      I once had an employer cover costs incurred from a lost passport when travelling for business. I figured it was a long shot but I pitched the idea as "If I weren't travelling for work this would have been safely locked up in my home" and they agreed.



      As a non-Workplace SE point if they don't cover you it's worthwhile checking any insurance that you have to see if it may apply. My home insurance covers theft of my property even if it isn't stolen from my home.






      share|improve this answer




















      • Worth noting that even most basic renter insurance will cover theft of items left in car after paying the deductible.That's usually required by most rent controlled places. Be sure to get a police report as they'll want to see that.
        – Dan
        Aug 14 at 14:52















      up vote
      15
      down vote













      You can ask. The worst thing that will happen is that they say no.



      I once had an employer cover costs incurred from a lost passport when travelling for business. I figured it was a long shot but I pitched the idea as "If I weren't travelling for work this would have been safely locked up in my home" and they agreed.



      As a non-Workplace SE point if they don't cover you it's worthwhile checking any insurance that you have to see if it may apply. My home insurance covers theft of my property even if it isn't stolen from my home.






      share|improve this answer




















      • Worth noting that even most basic renter insurance will cover theft of items left in car after paying the deductible.That's usually required by most rent controlled places. Be sure to get a police report as they'll want to see that.
        – Dan
        Aug 14 at 14:52













      up vote
      15
      down vote










      up vote
      15
      down vote









      You can ask. The worst thing that will happen is that they say no.



      I once had an employer cover costs incurred from a lost passport when travelling for business. I figured it was a long shot but I pitched the idea as "If I weren't travelling for work this would have been safely locked up in my home" and they agreed.



      As a non-Workplace SE point if they don't cover you it's worthwhile checking any insurance that you have to see if it may apply. My home insurance covers theft of my property even if it isn't stolen from my home.






      share|improve this answer












      You can ask. The worst thing that will happen is that they say no.



      I once had an employer cover costs incurred from a lost passport when travelling for business. I figured it was a long shot but I pitched the idea as "If I weren't travelling for work this would have been safely locked up in my home" and they agreed.



      As a non-Workplace SE point if they don't cover you it's worthwhile checking any insurance that you have to see if it may apply. My home insurance covers theft of my property even if it isn't stolen from my home.







      share|improve this answer












      share|improve this answer



      share|improve this answer










      answered Aug 13 at 18:55









      Myles

      25.9k660106




      25.9k660106











      • Worth noting that even most basic renter insurance will cover theft of items left in car after paying the deductible.That's usually required by most rent controlled places. Be sure to get a police report as they'll want to see that.
        – Dan
        Aug 14 at 14:52

















      • Worth noting that even most basic renter insurance will cover theft of items left in car after paying the deductible.That's usually required by most rent controlled places. Be sure to get a police report as they'll want to see that.
        – Dan
        Aug 14 at 14:52
















      Worth noting that even most basic renter insurance will cover theft of items left in car after paying the deductible.That's usually required by most rent controlled places. Be sure to get a police report as they'll want to see that.
      – Dan
      Aug 14 at 14:52





      Worth noting that even most basic renter insurance will cover theft of items left in car after paying the deductible.That's usually required by most rent controlled places. Be sure to get a police report as they'll want to see that.
      – Dan
      Aug 14 at 14:52













      up vote
      3
      down vote













      You’ll need to check what your insurance covers you for whilst away.



      I’m not sure whether locking them in the trunk would have been covered but it’s worth checking. No one will be able to advise until you've has the conversation with your employer about cover.






      share|improve this answer
























        up vote
        3
        down vote













        You’ll need to check what your insurance covers you for whilst away.



        I’m not sure whether locking them in the trunk would have been covered but it’s worth checking. No one will be able to advise until you've has the conversation with your employer about cover.






        share|improve this answer






















          up vote
          3
          down vote










          up vote
          3
          down vote









          You’ll need to check what your insurance covers you for whilst away.



          I’m not sure whether locking them in the trunk would have been covered but it’s worth checking. No one will be able to advise until you've has the conversation with your employer about cover.






          share|improve this answer












          You’ll need to check what your insurance covers you for whilst away.



          I’m not sure whether locking them in the trunk would have been covered but it’s worth checking. No one will be able to advise until you've has the conversation with your employer about cover.







          share|improve this answer












          share|improve this answer



          share|improve this answer










          answered Aug 13 at 18:28









          andtodd

          1,6434418




          1,6434418




















              up vote
              3
              down vote














              Question can I get my employer who sent me to Mexico to pay for these
              items?




              Most likely, you are out of luck. It's worth a check to see if they have an insurance policy to cover that sort of thing, but as a contractor I bet it is up to you to have this type of insurance coverage for your equipment and not the company who contracted with you.



              As an employee, you would need to be familiar with your companies policies and such, but most importantly you would be carrying around the companies equipment and not your own.






              share|improve this answer
























                up vote
                3
                down vote














                Question can I get my employer who sent me to Mexico to pay for these
                items?




                Most likely, you are out of luck. It's worth a check to see if they have an insurance policy to cover that sort of thing, but as a contractor I bet it is up to you to have this type of insurance coverage for your equipment and not the company who contracted with you.



                As an employee, you would need to be familiar with your companies policies and such, but most importantly you would be carrying around the companies equipment and not your own.






                share|improve this answer






















                  up vote
                  3
                  down vote










                  up vote
                  3
                  down vote










                  Question can I get my employer who sent me to Mexico to pay for these
                  items?




                  Most likely, you are out of luck. It's worth a check to see if they have an insurance policy to cover that sort of thing, but as a contractor I bet it is up to you to have this type of insurance coverage for your equipment and not the company who contracted with you.



                  As an employee, you would need to be familiar with your companies policies and such, but most importantly you would be carrying around the companies equipment and not your own.






                  share|improve this answer













                  Question can I get my employer who sent me to Mexico to pay for these
                  items?




                  Most likely, you are out of luck. It's worth a check to see if they have an insurance policy to cover that sort of thing, but as a contractor I bet it is up to you to have this type of insurance coverage for your equipment and not the company who contracted with you.



                  As an employee, you would need to be familiar with your companies policies and such, but most importantly you would be carrying around the companies equipment and not your own.







                  share|improve this answer












                  share|improve this answer



                  share|improve this answer










                  answered Aug 13 at 18:36









                  Mister Positive

                  54k27177221




                  54k27177221



























                       

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