Work From Home Accident Insurance Coverage
With more people working from home than ever before, it is important for companies to make sure they have additional insurance coverage options for these employees.
Work from Home Coverage
Working from home presents a unique set of challenges for employers. In addition to the day-to-day management of employees and communication, businesses should make sure their employees also have enough insurance coverage while they are working at home.
Covering Gaps in Workers' Comp
Employees who work remotely may or may not be covered under a traditional workers’ compensation plan. Workers comp insurance is primarily designed for employees when accidents occur on the job.
There may be gaps in coverage when an employee is participating in an activity off employer premises that is not supervised or sponsored by their employer.
For example, is a home-based employee covered under their employer's workers compensation plan if they trip down their home staircase during work hours? What if your employee’s alternative work location is at a beach house during the summer? Worker’s compensation insurance may or may not respond to potential injuries the employee may sustain during such activities.
Arch's Work From Home Accident coverage may help with such potential gaps.
Alternative Work Space
One of the downsides of working from home is the tension of constant co-habitation that may lead to a potential domestic violence act. A traditional workplace away from home may have provided potential victims a temporary safe place with some reprieve from their situation at home.
Arch has designed a program that provides an employee the ability to continue working despite the unfortunate situation that includes:
- reimbursement for an alternative workplace benefit,
- psychological trauma counseling, and
- temporary childcare.
As an employer with these benefits in place, any employee who may become a victim of domestic violence may find help without impacting their job. For the employee, these benefits provide the ability to keep working, reducing the likelihood of missed work. This benefit from Arch may serve as an enhancement to your existing EAP program.
For more information, contact one of our team members below or complete our contact us form.
Strategy and Distribution, A&H