Telework insurance is an essential element for employees and self-employed people working from home. Do you know if your home insurance covers your professional equipment? What happens in the event of a cyberattack or a work accident at home? What are your employer's rights and obligations regarding telework insurance?
In this article, we decipher the regulations in terms of insurance in the event of teleworking, the essential guarantees and how to obtain your teleworking insurance certificate.
Teleworking and insurance: what do the regulations say ?
What regulations apply to teleworking insurance?
According to article L1222-9 of the Labor Code, any accident occurring at home during a professional activity is considered an accident at work.
However, telework insurance regulations do not systematically require the employer to take out specific insurance for the employee's home. It is therefore crucial to check who is providing telework insurance in your situation.
Does your home insurance cover teleworking?
Contrary to popular belief, traditional home insurance does not always cover professional equipment or risks related to teleworking. An extended warranty may be necessary to protect your equipment and prevent possible civil liability in the event of a claim.
Who should take out telework insurance?
Is the employer responsible for your telework insurance?
The company must provide equivalent protection for all its employees, including those working from home. It is therefore required to cover:
- Professional equipment (computer, screen, telephone)
- Cyber risks and data protection
- Work accidents occurring at home
💡 Obtaining a telework insurance certificate is sometimes necessary to formalize this coverage. Check with your employer.
What contracts for independent workers ?
If you are a freelancer or self-employed, it is up to you to take out suitable insurance:
- Professional liability insurance
- Computer equipment insurance
- Business interruption insurance
What risks are covered by teleworking insurance?
Theft and material damage: who pays in the event of a claim?
A burglary or fire can damage your professional equipment . Depending on your contract, these incidents may be covered by:
- Your home insurance (with teleworking extension)
- Your employer's professional insurance
Cyberattacks and data loss: are you protected?
Working from home puts you at greater risk of cyberattacks and loss of sensitive data. Some insurance policies include coverage to protect your business in the event of hacking or phishing.
Civil liability and domestic accidents
If your professional equipment causes damage to your home or to third parties (e.g. electrical fire, short circuit), your civil liability in teleworking may be incurred. Check if your contract includes this protection.
How to obtain a teleworking insurance certificate ?
Why request a teleworking insurance certificate?
Your employer or landlord may require proof of telework insurance to confirm your coverage. This document is also necessary if certain costs related to telework are covered.
Steps to obtain a certificate of insurance
You can make the request to your insurer:
📧 By email
📞 By phone
🌐 Via your online customer area
💡 Good to know : Some contracts require modification to include a specific guarantee. Contact your insurer to check your coverage.
Telework insurance is essential to cover your activity and your equipment in the event of an incident.
Whether you are an employee or self-employed, remember to check your guarantees and obtain a teleworking insurance certificate to avoid any unpleasant surprises.
FAQ: Everything you need to know about teleworking insurance
Am I covered by teleworking insurance?
How am I insured for teleworking?
As an employee, your employer is responsible for insuring the equipment provided and protecting you in the event of an accident at work. For self-employed workers , specific insurance is recommended.
How to obtain a certificate of insurance for teleworking?
How to obtain a telework insurance certificate?
The certificate can be requested from your insurance company by email, telephone or via your personal online space . It is often issued immediately.
What insurance should I take out to work remotely safely?
What certificate is required for teleworking?
The certificate must specify that your home insurance covers your professional activity at home or that you have taken out specific insurance for teleworking .
Who is responsible for my telework insurance: me or my employer?
Who provides teleworking?
- The employer for its employees (equipment, professional civil liability)
- Personal insurer for self-employed workers (home, equipment, professional liability)
