The world of work is not the same as it was a few years ago. Teleworking, which began as an emergency measure, has become part of the daily lives of many companies. At the same time, globalization has boosted international business travel, leading working people to move between countries more frequently than ever.
But, with these changes, risks have also emerged that traditional policies do not fully cover. Cyberattacks, incidents with technological equipment, remote professional responsibilities, medical emergencies in other countries… Are insurers prepared for this reality?
Teleworking: risks that are not seen, but felt
Working from home, a cafe or even from another country opens up a range of advantages, but also threats that were barely considered before.
Today, personal networks and devices are used more than ever for work tasks, and that exposes companies to possible security breaches. A simple click can compromise sensitive data. Cybersecurity, therefore, is no longer optional: it is a priority.
Another key point is the professional teams. Laptops, cameras, microphones or tablets are essential tools, but more vulnerable when you do not have the physical protection of an office. If equipment is damaged or lost, the consequences can go beyond the material cost.
And let’s not forget professional civil liability. Working from unsupervised environments raises scenarios in which a legal claim can affect both the worker and the company. Here, insurance adapted to the reality of teleworking can make a difference.
Business trips: between global opportunities and risks
International travel has grown steadily, and everything indicates that it will continue to do so. However, every trip involves challenges that go far beyond a delayed flight.
Among the most common risks are medicaland security emergencies. In these cases, basic assistance is not enough: care without geographical limits is needed, including telemedicine, repatriations and rapid access to specialized centers.
There are also more complex threats, such as geopolitical risks. Conflicts, health crises or natural disasters can surprise us at any time. And in some destinations—such as Mexico or Ecuador—it is essential to have additional protection measures for the safety of the displaced person.
Added to this is the increase in international medical costs, which forces policy limits to be revised upwards. Because falling short of coverage in the middle of an emergency is not an option.
Finally, for those working outside their country, international professional responsibility becomes a critical point. Any legal claim away from home can be more expensive and complex to manage without adequate support.
The role of insurers in the new work normal
Adapt is no longer an added value, it is a necessity. Insurers that understand the new landscape will be able to design dynamic solutions that combine the usual protection with specific coverage for teleworking and international travel.
In this field, Jhasa, an independent broker specialized in insurance and reinsurance, has taken a step forward. With a network of strategic partners around the world, it has developed products that cover everything from cybersecurity and professional equipment to emergencies in any corner of the planet.
As Diana Hernández, Director of People & Solutions at Jhasa, explains:
“It is not just about offering policies, but about understanding how work has changed and adapting coverage to those changes. Teleworking, international travel… the risks are new and the solutions must be too.”
The question that remains is clear: Are we really securing the future of work, or are we still only covering up the past?
