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Insurance by Need

Hiring Remote Workers

Hiring someone who works from home doesn't remove your obligations — California generally requires workers' compensation for employees no matter where they sit, and an injury at a home desk can still be a work claim. Remote hires across state lines can also trigger coverage requirements in their state, so your policy needs to keep pace with where your people actually are.

Coverage to Consider Schedule Consultation

Who this coverage is for

This is for employers bringing on remote or hybrid staff, whether across California or in other states. It's also for growing teams unsure how home offices and out-of-state employees change their coverage.

What it can help protect

A distributed workforce shifts where your risks live:

  • Workers' comp — coverage for job-related injuries even when the employee works from home, as California generally requires.
  • Multi-state exposure — the right coverage when employees live and work outside California.
  • Employment liability — claims of wrongful termination, discrimination, or harassment that follow remote teams too.
  • Company equipment — laptops and gear you provide to remote staff.
  • Data and cyber — added exposure when employees handle company information from home networks.

How Sterling Lloyd helps

Sterling Lloyd can help identify which parts of the program deserve immediate attention and what information a licensed advisor will need next.

Coverages to consider

The coverages most relevant to Hiring Remote Workers, tiered by priority. Start a quote on any one, or have an advisor review the whole stack.

Core Often required

Workers' Compensation Insurance

Required across the states where employees work.

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Recommended

Employment Practices Liability Insurance (EPLI)

Multi-state employment-claim exposure.

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Recommended

Cyber Liability Insurance

Remote access widens your data-breach risk.

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Situational

Group Health Insurance

Benefits for a distributed team.

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Have an advisor review the whole stack →

Common Questions