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Who pays for the cost of electricity, broadband or office supplies if your employer orders you to work from home? Who pays if your company cell phone falls on the kitchen floor or the laptop is stolen? Working from home brings up many questions concerning labor law and insurance.
Insurance experts from AXA and lawyers from AXA-ARAG give answers to the most important questions about teleworking.
Since January 18, 2021, employers have been required by the government to order people to work from home wherever possible depending on the type of job and wherever this can be implemented with reasonable effort.
Your employer is not required to compensate you for your electricity or rental costs, as the order is only temporary.
Your employer has to pay for items such as postage, printer cartridges and paper, as these are necessary for you to do your job.
If working from home is only a temporary arrangement, this isn’t possible. Anyone wishing to deduct a proportion of rent etc. from their tax for a private office must meet strict conditions.
No. If you have technical problems when working from home, such as a power cut or internet problems for which you as an employee are not responsible, the employer must bear the related risks (obligation to continue salary payments, payment of overtime).
Yes, when working from home you must still comply with the statutory provisions of labor law such as working hours and rest periods. Under labor law, you are also obliged to document the hours that you worked at home, unless any other arrangements on a simplified way of recording working time or a corresponding waiver has been agreed.
The contractually agreed working hours including breaks also apply when you're working from home. Our tip: Speak to your employer about when you have to be available and also how quickly you have to respond to emails.
Costs that arise through working from home voluntarily do not have to be met by the employer. There has been a requirement to work from home since January 18, 2021.
Repair costs for WiFi (WLAN) generally have to be covered by the employee.
Damage to private devices must be covered by the employee, even when these devices are being used to work from home.
No insurance pays for the work laptop: the loss is not covered through either personal liability coverage (GIC exclusion B5.6) or household contents insurance (laptop not in private use). Commercial property insurance normally excludes simple theft.
Your cell phone and wallet are covered by your household contents insurance through simple theft away from home (provided you have sufficient coverage). Cash is not insured in this instance.
In most cases, your employer's commercial property insurance will pay for the stolen (work) devices. Household contents insurance provides no coverage for your employer's devices (not professional equipment). Provided you have sufficient coverage, your household contents will pay for damaged or stolen property in your own private ownership.
Most people falling victim to a fake shop need nerves of steel and a great deal of time. It is becoming increasingly difficult to identify a fake shop, as the operators are becoming craftier. But always check the URL: does it contain transposed letters such as mircosoft.com instead of microsoft.com? You should also check whether the online shop has a legal notice and carefully read through the small print, the general terms and conditions (GTC). You should normally steer well clear of strikingly cheap offers. There is a major risk that they are from a fake shop or are counterfeit goods.
Nothing can happen by opening a fake email, but if you open a link in a phishing email and enter personal details, the cybercriminals have achieved their aim. To err on the side of caution when an email seems strange, you can enter the URL in the address bar manually rather than clicking on the link to the site.
Control systems aimed solely at monitoring whether employees are carrying out their work are prohibited in the office or if an employee is working from home. Consequently, work presence when employees are working from home cannot be constantly monitored and checked. If employees are informed in advance, appropriate monitoring of security or checks on work productivity are permitted while adhering to the principle of proportionality.
When working from home, you should normally ensure that you can work undisturbed. Any work carried out that is not for the employer (e.g. child care) cannot be counted as working hours.
If the conditions for working from home are unsuitable, you should discuss this with your employer. However, the hurdles are quite high before working from home is considered to be unreasonable.
This must be evaluated on a case-by-case basis. If you’re working from home for a long time, you must also place greater emphasis on having an ergonomic workplace setup at home.
As your employer cannot carry out any checks in your home, you must take personal responsibility here. If you have to buy new furniture because your workplace at home does not meet health regulations, particularly if it is being used intensively and over a long period, your employer should contribute toward the cost. However, the company is not obliged to provide an ideal office at home for every employee.
Heike Gross is a theme manager for AXA-ARAG; she researches and writes exciting content about legal protection.
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