Are your Remote-Work Employees properly covered by your Workers’ Compensation Insurance?

As the benefits of remote-work programs continue to be attractive to employers seeking cost savings, growth, and the retention of talent, so do the challenges, particularly in the arena of workers’ compensation coverage. As part of the cost-benefit analysis for implementing a remote-work program, an employer should consider the remote-work employee location and any associated workers’ compensation exposure. For example, if you are operating in Louisiana only, then coverage under your policy may be limited to that state only.

Be sure to notify your insurance carrier or agent to determine if your current worker’s compensation insurance program will provide benefits for employees at the proposed remote-work location, particularly if the employee will work “out-of-state.”

As always, Sigma’s risk management consultants are available to assist in any questions that you may have.