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Where are your remote workers? Why it matters.

When tens of millions of American workers were thrown head-first into the world of remote work in March, few knew how long it would last. As it became clear that it was going to continue for some time, many workers fled confined cities to second homes and rentals in other states. Moreover, some workers who lived out of state and traveled to the employers' location, suddenly are working in another state. Some employers may be unaware of the Workers' Compensation implications of having employees working across state lines.

Although "other states endorsements" typically will cover an employee who is working in another state for a short period of time, such as a business trip, it might not be sufficient if the workers' location has changed for longer periods of time. If workers' comp coverage is not sufficient, the employer is exposed to the risk of covering medical and indemnity costs, penalties, and the lack of protection from exclusive remedy.

The first step is to find out where your employees are physically working to determine whether they are covered by the insurance. The rules are complicated and vary by state, but it is important to be sure there are no gaps in your protection. The good news is that this can be done with little or no effect on premium. We are here to help.