Are You Liable for Employees Who Work From Home?
Letting employees work from home has definite value for small business owners and their employees. Cutting down on office space overheads and increasing employee productivity are two definite pros. However, there are potential cons such as employer liability that must be considered before you race headfirst into the telecommuting crowd.
Before you begin to support employees that wish to work from home, it is advisable to consider your legal obligations as their employer along with more specific business challenges such as communication and organizational culture.
The Occupational Safety and Health Administration (OSHA) directs employers to maintain a safe working environment and covers home-based workers with the same worker’s compensation rights as those working from the employer’s place of business.
Workers placed from a temporary agency are covered by slightly different laws and usually the responsibility for carrying workers’ compensation coverage falls to the staffing agency. However, on occasion, this can be negotiated on a per-contract basis between the host employer and agency.
Recent cases for worker’s compensation have demonstrated that no distinction is made between home-workers and those working from an employer’s place of business in terms of workers’ compensation and an employer’s liability. The key elements of such claims include showing an accident was work-related and that the injury sustained was a result of the accident. There is no requirement to prove the employer was responsible for the injury or accident, only that it was work related.
As one work injury lawyer in Philadelphia states, an employer must provide workers compensation for their staff. Otherwise, they’re breaking the law. Most injuries that occur due to a work-related condition will be covered by a workers compensation plan.
Similar guidance is also relevant to injuries sustained by clients who have visited an employee at their home office. If a client trips and falls, injuring themselves or damaging any equipment such as a laptop, phone, or tablet, the employer may be liable for the injury and/or damage to property.
Public liability insurance may cover employers along with direct and temporary staff in these circumstances. It is advisable to check with insurers that your policy applies to home offices as well as the main place of work.
How to Protect Telecommuters and Your Business
In cases where employees telecommute, the employee’s home becomes the place of work. Given this, there are several actions and protocols small business owners should put in place to ensure the safety of their employees and their business.
Perform a safety survey – Regardless of where an employee is working from, they should comply with the business’ general health and safety policies. As part of this, before employees commence working at home, a full safety check of their designated work area should be carried out by them or you. In cases where agency staff are working from home – and the host employer and agency share joint responsibility for the remote worker – an agreement should be reached that shows due care. This ensures the employees’ workplace is safe for the tasks they are to perform on behalf of your business.Ergonomically designed furniture, adequate lighting and ventilation, smoke detectors and fire extinguishers should all be checked for and put in place. Potential dangers such as exposed extension leads and other trip hazards should be removed or mitigated. Safety surveys should be kept on file along with photographs of the area the employee intends to work from.
Homeowner’s or renter’s insurance – Employees should have up to date insurance for their intended place of work. Ensure telecommuting employees provide copies of their home or renters insurance papers and file these with the completed safety survey.
Digital security – All files stored in the cloud or on remote servers along with any hardware employees are using to work from home should be fully protected from unauthorized access. Secure connections should be set up by an IT professional to reduce any opportunity for hacking into company files. IT hardware and software provided by the employer should be for work-related use only and never used by anyone other than the delegated staff.
Update your own insurance – Ensure your business insurance covers remote workers as well as office-based employees. If you find there is a gap in your business insurance, update the policy for additional coverage before you allow employees to work from home. In some cases, it may even be necessary to take out additional management liability insurance.
Once the above tasks have been carried out, establish a work-at-home policy with clear guidelines to prevent misunderstandings between you and remote workers. Regular communication and the emphasis that remote work is a privilege should be part of any work-at-home policy. When all necessary legal and business procedures are in place, you are free to begin enjoying the benefits that remote workers can bring to your business.
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