Most people know the “joys” of commuting to work every day: high gasoline prices, traffic jams, pollution from auto exhaust, parking hassles, to name just a few. However, there are some very fortunate people who are free of these joys, and they are known as telecommuters.

Telecommuting is a business arrangement whereby an employer allows an employee to work at home, or some place other than the primary business location, and sometimes outside normally scheduled business workday hours. This has benefits for the employer and the employee alike. But it also has risk exposures that insureds need to consider and manage. Among these exposures are claims pertaining to workers’ compensation and general liability insurance coverages.

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