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Whether an employee is working from home, a different location or on the road as a digital nomad, employers typically provide the same workers’ compensation coverage for their remote employees as they do for on-site staff, according to Rippling.
The workers' comp insurance market in the U.S. is projected to reach $56.7 billion in 2025, with the potential for an uptick in costs despite a softer market.
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Data compiled by Risk Strategies shows wage inflation, reduced rates and increased size of primary claims could lead to premium increases.
Wage inflation rose 4.8% from March 2023 to March 2024, according to Risk Strategies, while some states reduced workers' comp rates. At the same time, the National Council on Compensation Insurance (NCCI) increased the size of primary claims to up to $18,000.
Meanwhile, the increase in remote work also creates a heightened cyber-risk for employees connecting to their organizations online.
Most ransomware claims start with threat actors compromising perimeter security appliances like firewalls and VPNs.
Across all ransomware claims in 2024, the most common initial access vectors were stolen credentials at 47% and software exploits at 29%, with 45,000 software vulnerabilities predicted for 2025—a rate of nearly 4,000 per month and a 15% jump over the first 10 months of 2024.
“While ransomware is a serious concern for all businesses, these insights demonstrate that threat actors’ ransomware playbook hasn’t evolved all that much—they’re still going after the same tried and true technologies with many of the same methods,” said Alok Ojha, Coalition’s head of products, security.
“This means that businesses can have a reliable playbook, too, and should focus on mitigating the riskiest security issues first to reduce the likelihood of ransomware or another cyber-attack,” he added. “Continuous attack surface monitoring to detect these technologies and mitigate possible vulnerabilities could mean the difference between a threat and an incident.”
The slideshow above illustrates the worst states for working from home in 2025 as selected by WalletHub.
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Joe Toppe
Joe Toppe serves as managing editor of PropertyCasualty360.com. Joe is also a father of three, an author, and longtime lover of baseball.
