As the workforce becomes increasingly mobile, many people turn to digital nomadism as a way to work. With access to the internet and a laptop, people can work from anywhere in the world – all they need is a reliable internet connection.
But while digital nomads often enjoy more flexibility and freedom than traditional workers, there are also some unique challenges that these individuals face. One of those challenges is finding adequate worker’s compensation coverage.
Workers comp insurance is designed to protect workers who are injured at work or become ill due to the nature of their job. It can help cover medical expenses, lost wages, and workplace injury or illness costs.
Fortunately, the best workers comp insurance companies cover the cost of digital nomads. It means you can still get the benefits and support you need to recover if you are injured while working remotely or traveling for your job.
This article seeks to explain who classifies as a digital nomad and how this specific group of workers can benefit from worker’s comp insurance.
Who Is a Digital Nomad?
Typically, this term describes someone who works remotely using technology rather than working in an office. This work could include telecommuting for an employer-based abroad, freelancing, or running a business.
However, each case will be different depending on several factors, including where you are working and how often you are on the move.
The short answer is yes. Most worker’s comp insurance companies will cover the costs of workplace injuries or illnesses for digital nomads. If you are injured while working as a digital nomad and need to take time off work, you can recover some of your lost wages by filing a claim for worker’s compensation benefits.
Some of the critical benefits of worker’s comp insurance for digital nomads include:
- Protection from lost wages due to a workplace injury or illness
- Coverage for medical expenses related to a workplace injury or illness
- Peace of mind knowing that you are covered in the event of an injury or illness while working as a digital nomad
To qualify for worker’s compensation insurance, you need to be employed by a company with the appropriate coverage. It typically will not cover those who are self-employed or working as digital nomads on their own. In some cases, however, professional associations or groups can help provide this type of insurance.
If you are a digital nomad and want to explore your options for worker’s comp insurance coverage, the first step is to speak with an experienced nomad insurance provider. They can help determine what types of coverage are available in your area and help you choose the right policy to meet your needs as a digital nomad.
Ultimately, it comes down to whether or not your worker’s comp policy considers you covered while working as a digital nomad. Every case is different, so you must speak with your insurance agent about your upcoming plans and see what coverage they can provide.
Additionally, some private companies out there specialize in providing health insurance for digital nomads – something worth looking into if you plan on living this lifestyle long-term.