Does Workers’ Comp Cover Remote Workers?
A remote worker’s injury may qualify if it is work-related under state law and the employee is covered in that state.
Workers’ compensation compensability is decided under state law.
Document the task, location, and circumstances, and report the claim through the insurer. Confirm the employee’s state and home address are correctly listed; OSHA’s recordkeeping guidance does not decide insurance benefits.
Coverage Guides Related to Workers’ Compensation Insurance
Sources for Workers’ Compensation Insurance Answers
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-25.
- State Workers’ Compensation Officials. U.S. Department of Labor; State and territory workers’ compensation contacts. Accessed 2026-09-25.
- Determining work-relatedness for injuries in the home when telecommuting. Occupational Safety and Health Administration; 29 CFR 1904.5(b)(7): paid telework directly related to work vs general home environment. Accessed 2026-09-25.