Work-related accidents in the home office: What is insured and how should those affected proceed?

Work-related accidents in the home office: What is insured and how should those affected proceed?

According to a report by www.t-online.de, it is possible that accidents in the home office are considered work accidents and are therefore covered by statutory accident insurance. For example, a fall on the way from bed or kitchen table to work at home is considered an accident at work. Interruptions in working hours, e.g. to accompany children to school, are also insured. However, going to the toilet and eating food themselves are not insured.

These regulations have potentially far-reaching effects on the labor market and the way many people work. Due to the increase in home offices, especially during the Corona pandemic, the number of potential work accidents outside of the traditional workplace is increasing. This could lead to an increase in accident insurance claims and payouts, which in turn could increase costs for businesses and insurance companies.

It is important that employees know the applicable regulations and act quickly to claim their insurance coverage in the event of an accident while working from home. This information should also be communicated by employers to make employees' rights and responsibilities clear. By increasing information and raising awareness among all those involved, the risk of legal disputes and uncertainty regarding insurance coverage when working from home can be reduced.