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...ability Premium ENERGY SYSTEMS Limit ...

... company's space requirements and energy consumption. Moving employees to comp...en you start a company telecommuting program, you'll be venturing into barely ...

...lf-motivated generates an aura of energy and enthusiasm for life; it comes fro...olved in this continuing-improvement program guarantees the special opportunit...

... companies. There they have access to fax machines, copiers, secretarial services, conference rooms, and other amenities. BENEFITS Telecommuting helps employers in many ways: Reduces overhead. Telecommuters who work at home don't need office space, thus reducing the company's space requirements and energy consumption. Moving employees to company-owned satellite offices may also bring cost savings due to lower rents in suburban areas. Increases worker productivity. The State of California Telecommuting Pilot program, a state-sponsored study of telecommuting among state workers, reported that telecommuting increased productivity by 10 ... But what about works created on the employee's own time? What if the telecommuter doesn't have fixed hours? Prevent such questions from becoming problems by detailing telecommuters' responsibilities, the projects they are to work on, and the company's ownership interest in these projects. Avoid liability exposures. Regarding business visitors, the standard Commercial General Liability policy covers the company when it's responsible for injury to third parties. This coverage should apply even to injuries that occur at a telecommuter's home office. But as a practical matter, you may want to ... with your Liability insurer. Don't rely on the telecommuter's Homeowners policy - most Homeowners policies exclude Liability coverage for business activities. The company's Workers Compensation coverage applies to injuries that occur in the course and scope of employment. When a telecommuter has an injury at home, how do you determine whether it was work-related? Workers Compensation laws are evolving on this issue; it's another legal gray zone. Some companies solve this problem by requiring telecommuters to work set hours. Injuries that occur in this time period are assumed to be work-related; ...

...ile financial statements with the Energy Information Administration, or the Ru... limits of the Insurer's or Group's liability; if the amount of coverage is di...