The intricacies of telecommuting employee insurance

With almost 2,000 teleworking agreements signed within companies in France in 2020, more and more employers are wondering about the coverage of employees working from home. What insurance is involved if the employee breaks the computer lent by his employer? What happens if the employee has an accident at home during their telecommuting hours, or if sensitive data leaks from the employee’s personal computer?

What new niche is beginning to interest the “assurtech”. Denouncing one “Regulatory and insurance framework still almost non-existent”Assurup launched in September “The very first telecommuting insurance” for employers, to cover companies against financial losses that can be blamed on them in telecommuting. More traditional insurers are also adapted to generalize the way they work.

In reality, the ways to cover remote salaries differ from most of the salaries in presentation or on the go. “Teleworking is just a way of organizing work”, emphasizes André Choquet, director of private clients within the insurance brokerage firm Verspieren. Unlike self-employed workers who work from home, telecommuting employees remain under the responsibility of their company. It is generally up to the employer to cover the risks associated with telecommuting and to make a statement to their insurance in order to negotiate possible extensions of guarantees.

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If your employees cause an accident at a certain level of time, during telework hours, the situation is comparable to those often paid on the go. From the moment this accident is caused during his working hours, except in certain exceptional cases, “It is the employer’s professional liability insurance that compensates for the damage caused by employees during their hours of telework”, says Ismaël Taifouri, a company law expert at SVP, an advisory group on HR executives and functions. The company must report and be assured of telework by its employees.

In the event of an accident at work, a telecommuting employee remains covered in the same way as an employee working in a company. „The accident that occurred on the spot where teleworking is carried out during the exercise of the professional activity of the teleworker is presumed to be an accident at work within the meaning of Article L. 411-1 of the Social Security Code ”specifies the labor code.

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