Remote workers' insurance
Remote Workers’ Insurance covers accidents during the workday in remote work.Additional cover for remote work
Remote workers insurance is voluntary and covers losses that occur during breaks and meals or while taking or picking up the kids from daycare.
Workers' compensation insurance contains restrictions on insurance cover
Under the Workers' Compensation Act, cover for accidents that occur in remote work is more limited than in losses at the actual place of work.
High-quality treatment and fast recovery
Our medical partners help us to ensure professional care and a high standard of treatment. In case of accident, your employees get fast access to treatment and rehabilitation.
Why should employers take out Remote Workers’ Insurance?
Although the statutory workers' compensation insurance is valid also in remote work, it does not cover all losses that can occur during a day of working remotely. In remote work, statutory insurance cover is more limited and covers only activities that are directly related to work. You can improve employees' insurance cover in remote work with additional voluntary insurance. The insurance is useful in companies that follow a hybrid work model, for example. Hybrid work is a form of multi-location work that combines working remotely and physically in the office.
Remote Workers’ Insurance is valid during remote work in situations that are not covered by workers' compensation insurance. These include, among others, short breaks and meals and travel that is directly related to remote working, such as taking and picking up kids from daycare.
For an even more comprehensive insurance cover for your employees than the one offered by Remote Workers’ Insurance, choose leisure-time accident insurance for your workers' compensation insurance policy.
Remote Workers' Insurance is valid throughout the world, and it supplements the occupational accident and occupational disease insurance during remote working days. The validity of Remote Workers' Insurance is identical in Finland and abroad. When treatment expenses are incurred abroad, they are first paid by, for example, the employee who requires treatment. The employee can later claim compensation for the treatment expenses. In Finland, the expenses can also be billed directly when visiting a partner doctor.
Cover for remote workers with voluntary insurance
| WORKERS' COMPENSATION INSURANCE | WORKERS' COMPENSATION INSURANCE AND REMOTE WORKERS’ INSURANCE | WORKERS' COMPENSATION INSURANCE WITH SUPPLEMENT FOR LEISURE-TIME | |
|---|---|---|---|
| Morning activities (getting kids dressed, walking the dog, etc.) | No | No | Yes |
| Taking kids to daycare and returning home | No | Yes | Yes |
| Breakfast at home | No | No | Yes |
| Working on a laptop at home in the kitchen | Yes | Yes | Yes |
| Retrieving the laptop charger from the car | On a case-by-case basis | Yes | Yes |
| Coffee and bathroom breaks at home | No | Yes | Yes |
| Preparing lunch and eating | No | Yes | Yes |
| Working on a laptop at home in the living room | Yes | Yes | Yes |
| Meeting customers at a café | Yes | Yes | Yes |
| Going for a run | No | No | Yes |
| Working on a laptop at home in the bedroom | Yes | Yes | Yes |
| Picking up kids from daycare and returning home | No | Yes | Yes |
| Leisure time after work | No | No | Yes |
