Description

Even before COVID-19, working from home was a reality for many people. Many employers offered varying degrees of flexibility for an employee to work remotely. However, countless other individuals are relaQvely new to what is being called the 'new normal' of living and working in an environment where conflict exists between an employer's commercial insurance and the employee's insurance. Discover how homeowners and personal auto policy may react to a home or auto's increased business use. Examine the potenQal loss exposures and the extensions of coverage provided for the employee's home-based acQviQes by an employer's commercial liability, property (including business income and extra expense), automobile, and workers compensaQon insurance. Liability and property insurance implicaQons for Covid-19 exposures, opQonal endorsements, independent contractor vs. employee consideraQons, data security, and employee work/home privacy issues will also be discussed.