How the On-Demand Economy is Changing Workers Comp

Employees have long espoused the benefits of being able to work remotely: namely the flexibility to effectively juggle their work and personal lives and to be more effective at both. More employers are embracing flexible employer-employee relationships as they  attract better talent often with little overhead and benefits expenses. Here are a few ways the on-demand economy is changing Indiana Workers Compensation coverage.

Uncharted Waters

Employees who telecommute, essentially, can do their jobs when and wherever they want. As long as remote employees perform their jobs well and meet their deadlines, most employers don’t involve themselves in the logistics. That may need to change, noted experts at the Risk and Insurance Management Society. The influx of mobile workers has brought about increased risks. Consider the following realistic scenarios:

  • A woman is multitasking by having a conference call in her car.  Unexpectedly, she gets involved in a car accident. Is this a compensable worker’s comp claim?
  • A man is on a walk, responding to a work-related e-mail on his smartphone. He’s so engrossed in the message he’s typing that he steps into the path of a speeding bicycle and is injured. Would this be covered by worker’s compensation?
  • An independent Uber driver is involved in a wreck. Is Uber liable to pay for his injuries?

 Telecommuting and/or working for an on-demand platform like Uber represent the changing face of the American workforce. The benefits of non-traditional opportunities to make a living are clear. The question of when workers compensation will and will not cover these workers is not always clear. We are here to help you decipher what worker’s compensation does and does not cover. Call us at Walker & Associates Insurance, (888) 760-7292. We will be happy to review your coverage, explain it to you in detail, and let you know if it is sufficient.