Insurance News
August 25, 2015
Ask ERIE: Can I File a Workers’ Compensation Claim with My Company If I Telecommute?

According to a study by Workspot, 84 percent of Americans telecommute more than once a month, and nearly one in four do so on a weekly basis. More than 40 percent of companies have adopted telecommuting policies.

At Erie Insurance, 30 percent of employees work from home full time, while many others enjoy the flexibility of a compressed work week or occasional flextime. Remote career opportunities at ERIE span all areas of the business, including customer service, information technology, district sales managers and claims adjusters.

Of course, working from home has pros and cons. It also raises serious questions like what would happen if you became injured while performing work for your employer at home.

If you’re hurt on work premises, you are typically covered by your employer’s workers’ compensation policy. Workers’ compensation (often shortened to workers’ comp) provides coverage for injury or disease you sustain in the course and scope of your employment. It applies regardless of negligence on your part, with workers’ compensation laws varying by state.

Fortunately, most telecommuters are covered under their employers’ workers’ compensation coverage. (Still, if you telecommute regularly, it’s worth asking your employer how a work-related injury would be covered just to be on the safe side.)

Injuries are possible even if you have a desk job. Common injuries telecommuting office workers experience include carpal tunnel syndrome; back sprains and strains; slips, trips and falls; and auto accidents when driving for work. The injury or disease typically has to arise out of a work-related activity—so taking a spill while walking to the fridge for a snack might not be covered.

Erie Insurance offers business insurance that includes workers’ compensation that can cover both traditional and telecommuting employees. Learn more and get a free quote by contacting an Erie Insurance Agent

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