How to ensure good teleworking?

How to ensure good teleworking?



The pandemic we are living through and its consequences have raised new questions, especially in the area of ​​teleworking and insurance ... Let’s take stock of what needs to be done to be well insured.
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How to ensure good teleworking?
To be well insured when working from home, take a detailed look at your home insurance. © kerkezz
Summary

    Home insurance: it generally includes work
    Home insurance and employer insurance
    What to do when working from home

Home insurance: it generally includes work

While it was the subject of an emergency deployment during the first confinement in March 2020, teleworking has since taken hold as a reality in the French professional landscape. Nearly 2,000 teleworking agreements were signed within companies in France last year (2020) and a quarter of employees teleworked at least one day in June 2021, according to a survey by the Ministry of Labor.

A context that puts home insurers in the face of a massive demand for Multirisque Habitation (MRH) certificates from their policyholders. Indeed, an employer can ask his employee for a certificate to verify that the accommodation in which he works is well insured and that the clauses provide for teleworking.
Home insurance and employer insurance

However, the main risks are covered by the employer. Indeed, the division of roles between employer and employee insurance is clear. In the context of teleworking, occupational risks remain covered by the employer because the teleworker has the same rights as the employee who performs his duties within the company. It is therefore up to the employer to cover the risks associated with teleworking. In principle, it is therefore up to the employer to cover:

    Its employees, face-to-face and teleworking.
    The equipment provided to perform the work: computer, screen, telephone, software, etc.
    The risks of hacking such as the protection of sensitive data in the course of work - a risk which is increased with teleworking.
    The loss of professional documents during a disaster (burglary, flood, etc.).

Thus, if on the one hand the employee's insurance contract covers the damage caused and / or suffered by the employee's personal property, on the other hand the employer insurance covers the damage caused and / or suffered by the employee. equipment made available to the teleworker.

De facto, the teleworker, who operates from his personal computer, sees, in principle - but this remains to be verified by you by consulting the guarantees of your comprehensive home insurance contract - this equipment covered by his HRM insurance. While anyone who works with company-supplied equipment sees it covered by company insurance.

When you are telecommuting, your employer's insurance protects your professional property (computer provided by the company, etc.), while home insurance protects you and your personal property.
What to do when working from home

As we can see, the distribution of roles between HRM insurance and professional insurance is clear. But that does not mean that the teleworker has nothing to do with insurance! Indeed, as soon as there is teleworking, it is strongly recommended to warn your insurance company, if only to check that the space occupied to work there within your accommodation is well covered by your MRH insurance. .

Likewise, although this is often the case, it should be checked, by contacting your insurer, that your home insurance contract already covers the situation of teleworking. If this is not the case, it is better to choose an HRM insurance that covers it. To do this, do your research and don't hesitate to ask for home insurance quotes from different insurers to choose the one that offers you the best guarantees, both for your personal property and for telecommuting.