How Do Remote Employees Benefit From Worker Compensation?

​Do you want to discover how remote employees still benefit from workers’ comp? Here are the details. Read and learn more.

How Will Workers Compensation Work for Remote Employees? 
As employees work remotely, employers have little control or supervision on their workplace safety. If the work from home employee gets injured while doing their job, no one can verify the incident immediately.

Workers compensation covers injuries if it happens within the workplace or environment. So, how will WFH employees qualify for this policy?

Interpretations
State interpretations differ but must apply the personal comfort aspect. Meaning, a worker is entitled to get compensation for injuries occurring while finishing a task, even taking a bath and getting their drink.

Rules
You’ll see the rule as a rigid black and white. On the other hand, even though you’re on a workers’ duty, it doesn’t mean right away that you get the injury related to work. It still relies on circumstances and actions.

Sample Scenario
For instance, if a worker trips over his or her dog and injures the shoulder. It happened while getting a drink in the kitchen during work hours. This is not work-related though it’s within working hours for dog trips has nothing to do with the task.

But the good news, the insurance agency and even the court may sort that out. The case is ensuring the remote workers have a way to report work-related injuries immediately. As an employer or business owner, you must make the best efforts to document and submit a claim to your respective insurance provider. The law declares that you also have to report it to the board for the said policy.

Tips to Decrease Telecommuting Risks
Here are some ways to reduce telecommuting risk for your remote employees:

1. Make a telecommuting plan or policy.

• Identify the workers’ duties.
• Mark the limits and expectations for virtual or digital communications, meetings and conferences, and updates.
• Document working hours using trackers.

2. Establish home office guidelines. Workers should:

• Comply and adhere to company rules and policies for WFH setup.
• Complete their job in distraction-free spaces.
• Agree with schedule time for tasks, meals, and breaks.

3. Construct home safety lists. Each worker should identify hazard risks and items like:

• Loose cords.
• Poor lighting.
• Overloaded outlets.

4. Have formalized cybersecurity procedures. Employees must:

• Use company-issued or approved devices.
• Secure company systems, servers, and services.

Are you up to give the best benefits for your employees? Obtain workers’ compensation insurance from your reliable insurance provider to attain better coverage.

At Cornerstone Insurance Agency, we aim to provide comprehensive insurance policies that make your life easier. We want to help you get the insurance that fits your needs. You can get more information about our products and services by calling our agency at (888) 661-8831. Get your free quote today by CLICKING HERE.