Hybrid working and employer’s liability insurance

What exactly is considered an occupational injury?

Insurance companies have had to adapt to the changing reality of hybrid working.  An occupational injury is a physical injury incurred in the course and scope of employment. Additionally, the employment relationship must fall within the scope of the law on accidents at work.

The rule says: If an employee falls down the stairs while fetching a document they printed in the context of their work, this is an occupational injury.  If the same employee falls down the stairs because the postman rings the doorbell to deliver a non-work-related parcel, this is not an occupational injury.

Injuries incurred during an employee’s commute also count as occupational injuries and are covered by employer’s liability.  For teleworkers, this also includes travel to or from their children’s childcare or school, or to eat or purchase meals.

Recorded agreements

To simplify the burden of proof, it is important to establish written agreements for such teleworking arrangements.  It can also be useful to note working hours and locations in your communications with teleworking employees.  

By now, many insurers’ policies include automatic cover for teleworking, as well as expansion options for postings abroad, seminars and conferences and recreational and cultural activities organised by the employer.  

Want to be sure your insurance still fits your current needs? Contact your account manager.