Remote working risks, what do you need to know?

Learn what your Workers’ Compensation, Cyber Liability, and Commercial Property insurance policies cover when employees telecommute.

The Covid-19 pandemic has transformed the way businesses operate. Around the world, governments have implemented regulation to protect people and slow the spread of the virus. This includes strict lockdown and social distancing measures that have prompted entire workforces to start working remotely.

However, the rise of remote work comes with potential liability for some small businesses. From a safety perspective, you need to know:

  • What your business insurance covers when employees are working remotely.
  • How to ensure you’re protected against losses from worker injuries, data breaches, business property damage, and more.

Let’s review some of the biggest risks of stay-at-home workers, and how to guard against them.

What if an employee gets sick or injured while working from home?

Most states require businesses with employees to carry Workers’ Compensation insurance. This policy covers work related employee injuries, employee related illness, lost wages and medical bills for employees on the job. It also covers lawsuit costs if an injured employee sues your business for an employee related claim.

While Workers’ Compensation laws vary by state in the USA, the insurance generally covers telecommuters. If a remote employee is injured at home specific to work related activities and files a claim, they must prove that the incident occurred during business hours or while performing work related duties.

About CMR | PolicySmart®

PolicySmart’s’ risk management consultants provide independent Group Benefits, Retirement and Commercial Insurance advice by reviewing your current portfolio of policies to improve coverage and reduce cost.  By using our proprietary database – The CMR Database® (comprising some 13,000 brokers and specialists globally), we maximize access to the insurance and retirement industry providing greater options that will translate to better coverage and lower cost.

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