Insurance for Remote and Hybrid Teams: Is Your Business Covered

As remote and hybrid work models become the norm, businesses must reassess their insurance coverage to verify that it aligns with this evolving landscape. Traditional policies often focus on in-office risks, leaving gaps that could expose companies to unforeseen liabilities when employees work from home or alternate locations.

Insurance Considerations for Remote and Hybrid Businesses

One key consideration is workers’ compensation insurance. Even if an employee is injured at home, they may still be eligible for coverage if the injury occurred during work-related activities. Employers should confirm that their policies extend to remote environments and clearly define what constitutes a work-related injury outside the office.

Cyber liability insurance is another critical consideration. With employees accessing company systems from various networks and devices, the risk of data breaches and cyberattacks increases. A robust cyber policy should cover remote work scenarios, including incidents stemming from unsecured home networks or personal devices.

Additionally, business property insurance may need to be updated. Standard office policies might not cover equipment like laptops, monitors, and other tools used at home. Employers should consider extending coverage to include remote work equipment or offering stipends for employees to insure their own gear.

Finally, employment practices liability insurance (EPLI) is essential in a hybrid environment where communication and oversight can be more challenging. EPLI can protect against claims of discrimination, wrongful termination or harassment—issues that may arise or be harder to manage remotely.

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For business insurance guidance near you, contact King Insurance.

This blog is intended for informational and educational use only. It is not exhaustive and should not be construed as legal advice. Please contact your insurance professional for further information.