Home office: insurance coverage

With the rapid changes in home office, many uncertainties arise. Often, employees do not know the extent to which they have insurance coverage in the home office. If the home office has been approved by the employer, statutory insurance coverage generally applies.

This is what insurance coverage looks like in the home office

According to the Workplace Ordinance, the employer must determine and ensure that your home office is a safe workplace.

• In this case, the status of insurance coverage does not change.
• Both health insurance and accident protection insurance remain in place in the home office.
• Aparticularly with regard to accident protection, however, the following applies: Only those activities that are directly related to your work are insured. Everything outside this area is generally not insured.

Problems with insurance coverage in the home office

The main problem in the home office is the frequent mixing of private and professional activities. For example, if you prepare a coffee in your kitchen during working hours or go to the nearest supermarket, this is considered a self-economic activity. If something happens during these activities, the occupational accident protection no longer applies. However, the boundaries between an occupational accident and a private accident are so blurred in the home office that caution is advised in this regard when working from home.