The world of work is undergoing a profound transformation, driven by the consolidation of teleworking and the increase in international business travel. What began as a response to the pandemic has become a standard way of working in many sectors, forcing companies to review their insurance coverage to protect their teams anywhere in the world.
Faced with this reality, Jhasa, an independent insurance and reinsurance broker, has developed new solutions to address emerging risks. The company has identified key areas requiring special attention.
Risks of teleworking in a global environment
Teleworking has introduced new risks that traditional policies do not fully cover. The proliferation of personal device use for work increases exposure to cyberattacks, which makes it vital to have policies that protect the company's sensitive data.
In addition, technological equipment used by employees at home or remote locations is more exposed to damage or loss, so it is essential to insure these assets. A third crucial point is the professional civil liability, since remote work can generate legal claims that companies must be able to address.
Insurers must adapt their policies to offer comprehensive protection against medical emergencies, geopolitical risks, and equipment damage during international travel, and consider other risks arising from remote work.
Business travel in a globalized world
The globalization of companies has increased business travel, exposing employees to risks beyond the traditional. Medical and security assistance must be geographically unlimited, including 24/7 telemedicine and repatriations.
Employees also face geopolitical and health risks, such as conflicts, natural disasters, and epidemics. Therefore, policies must include specific coverage for these unforeseen events. In particular, security in high-risk destinations such as Mexico or Ecuador requires special coverage.
The director of People & Solutions of Jhasa, Diana HernándezHe emphasized the importance of this evolution. “The work environment has changed radically, and insurance solutions must evolve with it. It’s not just about offering traditional policies, but about understanding the new dynamics of work and offering solutions that adapt to these changes. Whether it’s remote work or international travel, it’s essential that coverage addresses the new risks faced by both companies and their employees,” he stated.
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