Do You Need Workers’ Compensation Insurance If You Work From Home?

The rise of remote work has transformed the traditional office environment, making it increasingly common for people to work from home. With this shift, the question of workers’ compensation insurance for remote workers has become a topic of concern. Work-related injuries and illnesses can occur in home-based settings as well.

What Is Workers’ Compensation Insurance? 

Workers’ compensation insurance is a type of coverage designed to provide financial protection to employees who suffer work-related injuries or illnesses. It may help cover medical expenses, lost wages and rehabilitation costs for employees who are injured while performing their job duties.

Do Remote Workers Need Workers’ Compensation Insurance? 

The need for workers’ compensation insurance for remote workers depends on the laws and regulations of the jurisdiction where the employee is located. In most cases, remote workers are eligible for workers’ compensation coverage, just like their in-office counterparts.

Employees working from home are covered under the same workers’ compensation laws and policies as those working in a physical office location.

If an individual works from home as an independent contractor or freelancer, they are typically not eligible for workers’ compensation coverage from the company to which they provide services. In these instances, the individual must ensure they have their own insurance coverage, such as personal health insurance or disability insurance, to protect themselves in case of a work-related injury or illness.

What Are Workers’ Compensation Requirements in Tennessee? 

Tennessee laws require most employers with five or more employees to carry workers’ compensation insurance. The benefits provided under workers’ compensation in Tennessee may include medical expenses, wage replacement for temporary disability, permanent disability benefits and vocational rehabilitation.

Employers must promptly report workplace injuries to their workers’ compensation insurance carrier, and employees are encouraged to report any work-related injuries to their employer as soon as possible to initiate the claims process. Adhering to these regulations ensures that employees are adequately protected and receive the necessary support in times of work-related hardships.

Contact Us 

Workers’ compensation insurance is essential for remote workers, just as it is for employees working in traditional office settings. As remote work becomes increasingly prevalent, getting appropriate workers’ compensation coverage is a proactive step toward safeguarding your well-being and financial security while working from home.

Contact FSB Insurance serving the Jackson, Tennessee, area to learn more about the benefits of workers’ compensation insurance coverage and get a personalized quote.

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.