Business Insurance for Remote Employees in 2021

September 02, 2021 Blog

The recent pandemic has resulted in major changes across the globe, particularly in how we conduct business. One of the biggest differences is the massive increase in virtual employees, which perhaps has forever amended the way business will be done in modern times. Many companies are choosing to continue with a combination of at-home workers and business-side employees, allowing for flex scheduling, or making the decision to go entirely remote. While this flexibility allows for newfound growth and restructuring that can be greatly beneficial for companies, it also comes with its fair share of difficulties. Adjusting to these changes definitely involves a learning curve! One of the most important takeaways: remote workers often increase insurance risks.

Just a year ago, the number of people who were working remotely was just a fraction of what it is today, and having the right insurance protections in place is imperative for your company, your employees, and your customers. With that in mind, certain guidelines should be followed with remote worker insurance to maintain the security of your company and its staff. Recently, the focus of insurance for businesses has evolved into more coverage for workers who telecommute or work from remote locations. Here, Business Insurance Center examines the most important insurance policies for companies with remote workers.

remote workers insurance

What Business Insurance Do I Need for Remote Employees? 

One of the biggest concerns for businesses is about covering your assets. To that end, having proper insurance policies for remote workers is key. The top insurance for remote employees includes a few of the regulars, along with others that are specific to remote workers. 

General Liability Insurance Plans 2021

As we’re learning, these are new times in business and with that come new risks in liability, some of which we aren’t even aware of yet! General liability insurance for remote workers protects your cherished business from ALL such risks. This coverage includes advertising injury, personal and property injury or damage, medical expenses, lawsuits, and other issues that arise which put your business in jeopardy.

Cyber Liability Insurance for Remote Employees

For companies with remote workers cyber liability coverage is particularly essential in keeping your assets safe. A data breach, if not prevented, can cause a company to lose money and resources. Cyberattacks are far more likely to occur if your employees are off-site, without your normal company computer protections in place. Having the right cyber liability plans for remote workers means that any damage arising from attacks will be covered by your insurance. Additional security measures should also be put in place such as an encrypted virtual private network (VPN) through which workers access company resources and applications with strong passwords for authentication, antivirus software, firewalls and regular updates and upgrades of IT infrastructure. Prevent malicious outsiders from accessing sensitive files, business and customer data, and communication lines. 

Remote Employee Workers Compensation Insurance 

It may seem strange that this is still an essential need for businesses when workers are remotely located but there are plenty of reasons why it has become more important than ever before. Injuries and illnesses don’t disappear simply because your workers are remote! As mandated by most states across America, workers comp insurance covers the costs of work-related injuries, including loss of wages and medical expenses. How does workers comp work for remote employees? Employees must prove that the injury or work-related illness occurred performing work duties during business hours, regardless of whether they were working remotely or at the business itself. 

Commercial Property Insurance for Remote Workers

Again, this insurance may seem counterintuitive for remote workers, however, commercial property includes any equipment or assets belonging to the company, used both on and off-site. Update your commercial property insurance so that company-owned equipment used by remote workers in their homes is included.  

Insuring a Business with Remote Workers

Business Insurance Center provides the most comprehensive business insurance packages for remote workers on the U.S. market today! We have built our stellar reputation on having our finger on the pulse of the insurance world and we recognize the growing trend of employing remote workers. Your business insurance shouldn’t end at your business’s front door! Protect your most valuable assets: your employees and your company with the best insurance plans for remote workers from BIC. Growing and changing with current times is the wisest move you can make for your company and Business Insurance Center is with you every step of the way!

Call or click today and update your policy to include remote workers or create a customized insurance plan for remote employees. Self-employed? We provide work from home insurance plans for you too! Get a free business insurance quote today! 

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*Disclaimer: Insurance products are subject to terms and conditions, as well as exclusions that we cannot define on our website and blog. The content published here is only intended to provide you with an overview and general information about policies and products in the insurance industry. YOUR policy will carry details of the specific coverages, terms, conditions, limitations, exclusions. These will be governed by the underwriting guidelines applicable in your state.

If any policy provision is in conflict with the information provide on our website, blog or by any of our agents, kindly note that the policy language is controlling and supersedes all other sources. For more information, please contact your local office of The Nowell Agency.

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