Remote work has become a standard part of business operations, offering flexibility for employees and employers alike. However, as more people work from home, a new question arises: What happens if an employee gets injured while working remotely? At Bridgeway Insurance Group in Montgomery, AL, we help businesses navigate these evolving risks and ensure they have the right coverage in place.

Are Injuries While Working from Home Covered?

Workers’ compensation laws generally require employers to cover injuries occurring while an employee performs job-related tasks, regardless of location. If an employee is injured while working from home, they may still be eligible for workers’ compensation benefits. However, proving that an injury was work-related can be more complicated outside of a traditional office setting.

For example, if an employee trips over a power cord in their home office while on a work call, that could be considered a job-related injury. But if they slip while grabbing a snack in their kitchen, the line between work and personal time becomes less clear. Employers should establish clear remote work policies to help define what constitutes a work-related injury.

How Can Businesses Protect Themselves?

Having a comprehensive workers’ compensation policy is crucial, even for remote teams. Employers can also reduce risks by providing ergonomic guidelines, safety checklists, and clear expectations for home office setups. Ensuring employees have a designated workspace can help prevent accidents and streamline claims if an injury does occur.

Stay Protected with the Right Coverage

Remote work introduces new challenges, but the right insurance can provide peace of mind. Bridgeway Insurance Group in Montgomery, AL, can help you find the right commercial insurance to protect your business and employees. Contact us today to learn more!