Remote Work & Workers’ Comp—What Central Texas Businesses Need to Know

Working from home might sound cozy, but it comes with its own set of risks—and for employers, that means potential workers’ compensation claims.

The COVID-19 pandemic forever changed how we work. For many Central Texas businesses, remote and hybrid schedules are now the norm. While this shift offers flexibility, it also introduces new challenges in keeping employees safe when they’re not in a traditional office. From makeshift desk setups to hidden trip hazards, injuries at home can still qualify as workplace injuries—and that can get complicated when it comes to workers’ compensation.

At Dowd Insurance Agency, we help local businesses protect their people and reduce liability. Let’s break down the risks and smart strategies you can use to safeguard your remote workforce.

Common Remote Work Injuries

A home office isn’t always built with ergonomics in mind. Instead of supportive chairs and standing desks, employees might be working from couches, dining tables, or even beds (we see you, laptop warriors). That can lead to issues like:

• Back and neck sprains or strains from poor posture.
• Repetitive motion injuries such as carpal tunnel syndrome or tendonitis.
• Chronic headaches or eye strain from too much screen time.
• Slips, trips, and falls caused by cluttered cords, rugs, or other household hazards.

Add in the stress of irregular hours, and you’ve got a recipe for fatigue and burnout—all of which can drive workers’ comp claims.

How Employers Can Reduce Remote Work Risks

The good news? With a little planning, employers can minimize risks and keep employees healthier at home. Here are some strategies:

1. Set clear schedules. Encourage employees to follow regular work hours and take breaks to avoid overwork and fatigue.
2. Offer ergonomic training. Simple changes—like adjusting chair height, placing monitors at eye level, or alternating between sitting and standing—make a big difference.
3. Promote safe workstations. Recommend supportive chairs, sturdy desks, and good lighting. Provide guidelines for keyboard and mouse placement to reduce strain.
4. Encourage tidy spaces. Remind employees to keep cords organized, clear walkways, and maintain safe storage to prevent falls.
5. Invest in employee setups. Some businesses provide stipends or budget allocations for home office equipment. Not only is it smart risk management, but in some cases, it may even be a compliance requirement.

Pro tip: Partner with legal counsel and your insurance agent (hi, that’s us 👋) to ensure your remote work policies align with both safety standards and workers’ comp regulations.

Final Thoughts

Remote work isn’t going away anytime soon, but that doesn’t mean it has to create more headaches for employers. By prioritizing ergonomics, safety training, and clear policies, you can protect your team while minimizing costly workers’ compensation claims.

At Dowd Insurance Agency, we’re here to help Central Texas businesses navigate the changing workplace—whether your team is in the office, at home, or somewhere in between.

Ready to review your workers’ comp coverage or build a safer remote work plan? Give us a call today.