11 march 2020, text: Sandra Biraghi, photo: iStock
Digitalisation makes a lot of new things possible: working from your own office at home is a major issue. Supporters and sceptics agree: working from home requires employees to have considerable self-discipline and a sense of responsibility. At the same time, modern forms of work raise new questions that need to be answered. We have put together the most important points regarding insurance cover for employees and employers.
Employers who allow employees to work from home should check their company rules and adapt them if necessary. In addition, individual agreements should be made regarding the devices and equipment provided and the time spent working from home. Employees agree to set up a work area at home that allows undisturbed work and to ensure that they can be reached.
Working from home makes no difference in terms of social security for employees whose place of residence and place of work are in Switzerland. By contrast, cross-border commuters must take care not to work from home for more than 25% of their working hours. Otherwise they are subject to their home country's social security system.
Anyone who works from home is insured against accidents in the rooms they use for work like they are in the company. If the employee works more than eight hours per week, accidents outside of these rooms are also covered by non-occupational accident insurance.
Theft or damage of work equipment, such as laptops or mobile phones, can happen very quickly despite taking every precaution. . It is to be noted that private contents insurance or liability insurance will not pay out here because the devices do not belong to the employee. These devices normally fall under the employer's commercial insurance. However, this insurance often only applies at the company address. Together with insurance experts, the employer should therefore check whether its current insurance coverage also applies outside of its business address or whether additional insurance is sensible.
Employers must take the necessary precautions to also ensure data protection and data security when employees work from home. In order to protect themselves from financial consequences or losses as a result of data manipulation or data loss, it is advisable to have cyber insurance. Employees can only be held accountable if they have demonstrably acted negligently.
Not all work is suitable for working from home. But if it is suitable, it is worth trying this form of work. Employees who work from home have more freedom in how they organise their working time, avoid the commute to work and are often more motivated owing to the trust placed in them.
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