Re: Is that only valid for working from home?
That is correct, though. Normally the commute starts when you leave the house - or if you have woken up and went to the bathroom or had breakfast, then the last bit between the kitchen and your home office.
It seems that if you tumble directly out of bed and down the stairs into your home office, that is now the commute.
If you are going to a real place of work, you are covered as soon as you leave the house and during the normal (direct) way to work. The same for going home. If you make a detour, for instance to go shopping or to fuel the car, the company insurance doesn't cover any injuries. So, if you slip on a banana in the supermarket, their insurance and not your employer's covers you.