The work-from-home movement is one more good reason to really dive into a review of your workers compensation insurance policy. As written, it might not address crucial changes to your workforce, such as remote working, supplemental driving, or other duties not previously specified.
Here are a few questions to ask your insurance agent or broker regarding workers compensation insurance:
• Does the policy cover injuries that occur in the employee’s home?
• Does the policy respond to injuries sustained in auto accidents while employees are driving personal autos on behalf of the business?
• Do class codes need to be updated based on changes in an employee’s normal employment routines?
Also, if the pandemic has significantly affected the employment status of
your workforce, consider asking for information about what to expect with
your next audit.
Learn more about our business insurance offerings here.
