Most people know the "joys" of commuting to work every day: high gasoline prices, traffic jams, pollution from auto exhaust, parking hassles, to name just a few. However, many people are now able to work from home if not all the time then at least a few days a week. 

Working from home is a business arrangement whereby an employer allows an employee to work at home, or some place other than the primary business location, and sometimes outside normally scheduled business workday hours. This has benefits for the employer and the employee alike, yet both need to be aware of the risks that may arise when work and home are the same place.

An insured that permits work from home has risk exposures that need to be considered and managed. Among these exposures are claims pertaining to workers' compensation and general liability insurance coverages.