Call Us 888-556-6660 ☰ ˟
Logo
Call Us 888-556-6660
  • Our Agency
    • AboutImage of right arrow
      • Our Staff
      • Our Locations
    • Personal ProductsImage of right arrow
      • Home & Auto Insurance
      • Auto InsuranceImage of right arrow
        • Liability Coverage
        • Comprehensive Coverage
        • Collision Coverage
        • Uninsured & Underinsured Motorist Coverage
        • Diminishing Deductible
        • Accident Forgiveness
        • Minor Violation Forgiveness
        • Roadside Assistance
        • Specialty Auto Insurance
        • 24-Hour Customer Service
        • Towing
        • Rental Reimbursement
        • Personal Injury Protection (PIP)
        • Medical Payments Coverage
      • Home InsuranceImage of right arrow
        • High Value Homeowners
        • Property Insurance
        • Homeowners Liability
        • Renters Insurance
        • Condo Insurance
        • Mobile Home Insurance
        • Scheduled Property Insurance
        • Landlords Insurance
        • In-Home Business Insurance
      • Other Personal InsuranceImage of right arrow
        • Identity Theft
        • Personal Umbrella Insurance
        • Data Backup
      • Life InsuranceImage of right arrow
        • Individual Life Insurance
        • Group Life Insurance
        • Long-Term Care Insurance
        • Mortgage Protection Insurance
        • Disability Insurance
        • Second-To-Die Policy
        • Key Person (Key Men) Insurance
      • Health InsuranceImage of right arrow
        • Individual & Family Health Insurance
        • Group Health Insurance
        • Dental Coverage
        • Vision Coverage
        • Long-Term Care Insurance
        • Temporary Health Insurance
        • Supplemental Insurance
        • Disability Insurance
        • Medical Expense Insurance
        • Child Health Insurance
        • Prescription Insurance
        • HSAs
      • Recreational Vehicle InsuranceImage of right arrow
        • Boat Insurance
        • Motorcycle Insurance
        • Motorhome Insurance
        • ATV Insurance
        • Snowmobile Insurance
      • Financial ServicesImage of right arrow
        • Financial Planning
        • Annuities
        • 401K
        • Retirement Plans
        • Mutual Funds
        • Pension Plans
        • Profit Sharing Plans
        • Traditional & Roth IRAs
      • Additional Insurance ServicesImage of right arrow
        • Wedding and Special Event Insurance
        • Special Event Insurance
        • Other Services
    • Commercial ProductsImage of right arrow
      • Coverage for Specific IndustriesImage of right arrow
        • Landscaping Insurance
        • Religious Institutions
        • Accounting Firm Insurance
        • Alarm Contractors Insurance
        • Insurance for Arborists
        • Bar Insurance
        • Builders Risk Insurance
        • Catering Insurance
        • Cleaning Business Insurance
        • Construction Insurance
        • Consulting Firm Insurance
        • Specialty Trade Contractors Insurance
        • Craft Brewery Insurance
        • Dump Truck Insurance
        • Educational Facility Insurance
        • Financial Institution Insurance
        • Food Truck Insurance
        • Fleet Insurance
        • Handyman Insurance
        • Garage Insurance
        • Healthcare Facility Insurance
        • Healthcare Practice Insurance
        • Law Firm Insurance
        • Life Science Insurance
        • Limousine Services Insurance
        • Liquor Liability Insurance
        • Livestock Insurance
        • Maintenance Contractors Insurance
        • Manufacturing Insurance
        • Marijuana Insurance
        • Maritime Employers Insurance
        • Media & Advertising Insurance
        • Orthotics & Prosthetics Insurance
        • Pool & Spa Insurance
        • Printers & Publishers Insurance
        • Railroad Contractors Insurance
        • Real Estate Businesses Insurance
        • Restaurant Insurance
        • Retail Insurance
        • School Bus Contractors Insurance
        • Scrap Metal Insurance
        • Security Guards Insurance
        • Self-Storage Insurance
        • Septic Contractors Insurance
        • Snow Plow Insurance
        • Specialized Truck Equipment Insurance
        • Technology Services Insurance
        • Tractor Insurance
        • Tow Trucks Insurance
        • Water Well Drillers Insurance
        • Veterinary Insurance
      • Coverage for Your BusinessImage of right arrow
        • Bonds
        • Business Owners Policy (BOP)
        • Commercial Auto Insurance
        • Commercial General Liability
        • Commercial Property Insurance
        • Commercial Real Estate Insurance
        • Commercial Umbrella Insurance
        • Crime Insurance
        • Equipment Insurance
        • Fidelity Bonds
        • Leave Management
        • Loss Control Insurance
        • Inland Marine Insurance
        • Marine Insurance
        • Mechanical Breakdown Insurance
        • Office Insurance
        • Product Liability Insurance
        • Professional Liability
        • Small Business Insurance
        • Small Business Liability Insurance
        • Surety Bonds
        • Technology Insurance
        • Trailer Insurance
        • Trucking Insurance and Semi Truck Insurance
        • Workers Compensation
      • Coverage for Your EmployeesImage of right arrow
        • Small Business Retirement Plans
        • Employer-Sponsored Retirement
        • Group Benefits
        • Group Disability Insurance
        • Voluntary Benefits
        • Retiree Health Coverage
        • Group Health Insurance
        • Disability Insurance
        • Individual Life Insurance
    • Get A Quote
    • Our Providers
    • Contact UsImage of right arrow
      • Ludovissy and Associates - Dubuque
      • Ludovissy and Associates - Bellevue
      • Ludovissy and Associates - East Dubuque
      • Tujetsch Agency - Guttenberg
  • Products
    • Home & Auto Insurance
    • Auto InsuranceImage of right arrow
      • Liability Coverage
      • Comprehensive Coverage
      • Collision Coverage
      • Uninsured & Underinsured Motorist Coverage
      • Diminishing Deductible
      • Accident Forgiveness
      • Minor Violation Forgiveness
      • Roadside Assistance
      • Specialty Auto Insurance
      • 24-Hour Customer Service
      • Towing
      • Rental Reimbursement
      • Personal Injury Protection (PIP)
      • Medical Payments Coverage
    • Home InsuranceImage of right arrow
      • High Value Homeowners
      • Property Insurance
      • Homeowners Liability
      • Renters Insurance
      • Condo Insurance
      • Mobile Home Insurance
      • Scheduled Property Insurance
      • Landlords Insurance
      • In-Home Business Insurance
    • Other Personal InsuranceImage of right arrow
      • Identity Theft
      • Personal Umbrella Insurance
      • Data Backup
    • Life InsuranceImage of right arrow
      • Individual Life Insurance
      • Group Life Insurance
      • Long-Term Care Insurance
      • Mortgage Protection Insurance
      • Disability Insurance
      • Second-To-Die Policy
      • Key Person (Key Men) Insurance
    • Health InsuranceImage of right arrow
      • Individual & Family Health Insurance
      • Group Health Insurance
      • Dental Coverage
      • Vision Coverage
      • Long-Term Care Insurance
      • Temporary Health Insurance
      • Supplemental Insurance
      • Disability Insurance
      • Medical Expense Insurance
      • Child Health Insurance
      • Prescription Insurance
      • HSAs
    • Recreational Vehicle InsuranceImage of right arrow
      • Boat Insurance
      • Motorcycle Insurance
      • Motorhome Insurance
      • ATV Insurance
      • Snowmobile Insurance
    • Financial ServicesImage of right arrow
      • Financial Planning
      • Annuities
      • 401K
      • Retirement Plans
      • Mutual Funds
      • Pension Plans
      • Profit Sharing Plans
      • Traditional & Roth IRAs
    • Additional Insurance ServicesImage of right arrow
      • Wedding and Special Event Insurance
      • Special Event Insurance
      • Other Services
    • Coverage for Specific IndustriesImage of right arrow
      • Landscaping Insurance
      • Religious Institutions
      • Accounting Firm Insurance
      • Alarm Contractors Insurance
      • Insurance for Arborists
      • Bar Insurance
      • Builders Risk Insurance
      • Catering Insurance
      • Cleaning Business Insurance
      • Construction Insurance
      • Consulting Firm Insurance
      • Specialty Trade Contractors Insurance
      • Craft Brewery Insurance
      • Dump Truck Insurance
      • Educational Facility Insurance
      • Financial Institution Insurance
      • Food Truck Insurance
      • Fleet Insurance
      • Handyman Insurance
      • Garage Insurance
      • Healthcare Facility Insurance
      • Healthcare Practice Insurance
      • Law Firm Insurance
      • Life Science Insurance
      • Limousine Services Insurance
      • Liquor Liability Insurance
      • Livestock Insurance
      • Maintenance Contractors Insurance
      • Manufacturing Insurance
      • Marijuana Insurance
      • Maritime Employers Insurance
      • Media & Advertising Insurance
      • Orthotics & Prosthetics Insurance
      • Pool & Spa Insurance
      • Printers & Publishers Insurance
      • Railroad Contractors Insurance
      • Real Estate Businesses Insurance
      • Restaurant Insurance
      • Retail Insurance
      • School Bus Contractors Insurance
      • Scrap Metal Insurance
      • Security Guards Insurance
      • Self-Storage Insurance
      • Septic Contractors Insurance
      • Snow Plow Insurance
      • Specialized Truck Equipment Insurance
      • Technology Services Insurance
      • Tractor Insurance
      • Tow Trucks Insurance
      • Water Well Drillers Insurance
      • Veterinary Insurance
    • Coverage for Your BusinessImage of right arrow
      • Bonds
      • Business Owners Policy (BOP)
      • Commercial Auto Insurance
      • Commercial General Liability
      • Commercial Property Insurance
      • Commercial Real Estate Insurance
      • Commercial Umbrella Insurance
      • Crime Insurance
      • Equipment Insurance
      • Fidelity Bonds
      • Leave Management
      • Loss Control Insurance
      • Inland Marine Insurance
      • Marine Insurance
      • Mechanical Breakdown Insurance
      • Office Insurance
      • Product Liability Insurance
      • Professional Liability
      • Small Business Insurance
      • Small Business Liability Insurance
      • Surety Bonds
      • Technology Insurance
      • Trailer Insurance
      • Trucking Insurance and Semi Truck Insurance
      • Workers Compensation
    • Coverage for Your EmployeesImage of right arrow
      • Small Business Retirement Plans
      • Employer-Sponsored Retirement
      • Group Benefits
      • Group Disability Insurance
      • Voluntary Benefits
      • Retiree Health Coverage
      • Group Health Insurance
      • Disability Insurance
      • Individual Life Insurance
  • Get A Quote
    • Auto Insurance Quote FormsImage of right arrow
      • Auto Insurance Quote
    • Business & Commercial Insurance Quote FormsImage of right arrow
      • Business Owners (BOP) Quote Form
    • Homeowners Insurance Quote FormsImage of right arrow
      • Homeowners Insurance Quote
    • Life Insurance Quote FormsImage of right arrow
      • Life Insurance Quote
    • Recreational Vehicle Insurance Quote FormsImage of right arrow
      • Recreational Vehicle Insurance Quote
    • Watercraft & Boat Insurance Quote FormsImage of right arrow
      • Watercraft Insurance Quote
  • Resources
    • Refer a friend
    • Important Links
    • Insurance Glossary
  • About Us
    • About
    • Our Location
    • Employee Directory
    • Testimonials
    • Privacy Policy
  • Contact
Auto Icon

Auto

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home Icon

Home

We browse through a wide variety of coverages and find the right one for you.

Learn More
Business Icon

Business

We browse through a wide variety of coverages and find the right one for you.

Learn More
Life & Health Icon

Life & Health

We browse through a wide variety of coverages and find the right one for you.

Learn More
RV & Boat Icon

RV & Boat

We browse through a wide variety of coverages and find the right one for you.

Learn More
Home > Blog > Are You Covered By Workers Compensation Insurance When Working From Home?
TUESDAY, SEPTEMBER 27, 2022

Are You Covered By Workers Compensation Insurance When Working From Home?

Due to the digital age, more and more employees are working from home. This raises the question: Is an employee covered if they suffer a work-related injury or illness at home? 

If you're a temporary or permanent telecommuter, this article can help you figure out whether you are covered by workers compensation insurance. 

 

Are Telecommuters Covered By Workers Compensation Insurance? 

 

The injury or illness of an employee is covered by workers compensation insurance as long as the incident occurs due to and during the course of employment. This is true no matter where the illness or injury occurs. However, employees often have to be able to prove that the injury or illness in question is work-related. Employees need to be able to show that their actions were in the interest of the employer when the incident occurred. However, in many cases, the employee will be the only witness to an accident that occurs at home. a person sitting at a desk in front of a computer

 

Employers often attempt to use the argument that they don't have any control over the working conditions in an employee's home. However, this argument typically does not hold up in court. Employers are still responsible for providing their employees who telecommute with a safe work environment — just as they are responsible for providing a safe work environment for employees who work in the corporate office. 

 

In most states, it is acknowledged that it is normal for employees to make small detours. In a corporate office, employees will often leave their desk to go to the restroom or to get a snack or some coffee. This is also true for employees who are working from home part-time or full-time. It is considered a normal detour for an employee to go to the fridge to make themselves a snack. If an employee suffers an injury on their way to the restroom during normal working hours, they may be entitled to compensation. However, if an employee leaves their home to run non-work-related errands and gets into a car accident, the employee will generally not be entitled to compensation. 

 

If you work from home part-time or full-time, you may be wondering if you are covered by workers compensation insurance. In general, the answer to this question is yes, as long as the accident occurs while you're on the job. For more information about whether you are covered by workers compensation insurance when telecommuting, don't hesitate to contact us. 
Posted 1:48 PM

Tags: workers, compensation, coverage, commercial, business
Share |


No Comments


Post a Comment
Required
Required (Not Displayed)
Required


All comments are moderated and stripped of HTML.

NOTICE: This blog and website are made available by the publisher for educational and informational purposes only. It is not be used as a substitute for competent insurance, legal, or tax advice from a licensed professional in your state. By using this blog site you understand that there is no broker client relationship between you and the blog and website publisher.
Blog Archive
  • 2023
  • 2022
  • 2021

  • insurance(19)
  • coverage(13)
  • policy(10)
  • business(10)
  • commercial(7)
  • owners(4)
  • bop(4)
  • auto(4)
  • liability(3)
  • life(3)
  • professional(3)
  • workers(3)
  • compensation(3)
  • accident(2)
  • vehicles(2)
  • whole(2)
  • terms(2)
  • boat(2)
  • employee(2)
  • car(2)
  • home insurance(2)
  • small(2)
  • retirement(2)
  • watercraft(2)
  • homeowners(1)
  • errors(1)
  • long(1)
  • premiums(1)
  • auto insurance(1)
  • care(1)
  • term(1)
  • benefits(1)
  • costs(1)
  • ommisions(1)
  • health(1)

View Mobile Version

Contact Us Today!
888-556-6660

Social Social

Resources

  • Products
  • Customer Service
  • Payment Options
  • Report a Claim
  • News
  • About Us
  • Refer A Friend
  • Our Carriers
  • Blog
  • Contact Us

Contact Us

Dubuque Office
East Dubuque Office
Bellevue Office
Tujetsch Office
© Copyright. All rights reserved. | Powered by Insurance Website Builder