Hybrid work is driving a new class of workers’ compensation risk—one that’s harder to verify, slower to resolve and increasingly costly. Understanding why and what to do about it requires a new approach to data, validation, and proactive risk management.
What was once a clearly defined workplace with fixed hours, controlled environments, and observable behavior has been replaced by a distributed model where work happens at kitchen tables, coffee shops, spare bedrooms, and everywhere in between.
For insurers and claims professionals, low-severity remote injury claims are quietly becoming long-tail cost drivers. Nearly 36 million Americans