The same applies for trips to the bathroom or any number of other places where one can fall and get injured. In Oregon, the State Accident Insurance Fund Corporation is the state's largest workers compensation insurer. SAIF's Tom Towslee said there is no record of home-based telecommuter filing a claim against an employer. As a practical matter, the law will evolve as injuries, decisions and appeals test, define and refine the law. Until then you can have all the confidence and security of one living on the frontier.
Most telecommuting jobs require some equipment in addition to the telephone.
Don't be fooled into thinking your homeowner's policy will automatically cover it. As a practical matter, most homeowner policies exclude business property unless separately listed. Talk to your agent to confirm whether you are covered. Replacement after a power surge is the wrong time to discover that you lack coverage. Most employers with multiple work stations today maintain service policies with at least one office equipment supply and service company.