{"id":511,"date":"2022-05-23T11:43:57","date_gmt":"2022-05-23T09:43:57","guid":{"rendered":"https:\/\/www.papercare.fr\/?page_id=511"},"modified":"2022-08-25T14:53:59","modified_gmt":"2022-08-25T12:53:59","slug":"teletravail","status":"publish","type":"page","link":"https:\/\/www.papercare.fr\/assurance-habitation\/teletravail\/","title":{"rendered":"Assurance habitation t\u00e9l\u00e9travail : 7 choses \u00e0 conna\u00eetre\u00a0"},"content":{"rendered":"<p class=\"p5\">La pand\u00e9mie du Covid-19 a oblig\u00e9 les entreprises et les salari\u00e9s \u00e0 repenser fondamentalement les modes d\u2019organisation et de travail. Aujourd\u2019hui, bien qu\u2019il y ait peu \u00e0 peu un retour \u00e0 la normale, la pratique du t\u00e9l\u00e9travail semble s\u2019\u00eatre d\u00e9finitivement ancr\u00e9e au sein du monde professionnel. Bien que relativement nouveau et peu pratiqu\u00e9 auparavant, le t\u00e9l\u00e9travail reste un mode organisationnel encadr\u00e9 par le Code du Travail. Que ce soit le salari\u00e9, ou l\u2019employeur, chacun a des droits et des devoirs afin d&rsquo;assurer un cadre de travail serein et efficace. Parmi ces r\u00e9glementations, qu\u2019en est-il de la protection du salari\u00e9 et des biens mat\u00e9riels professionnels en cas de sinistre ? En effet, le t\u00e9l\u00e9travail implique la souscription d\u2019une assurance multirisques professionnelle pour l\u2019employeur, que le salari\u00e9 peut compl\u00e9ter par une <b>assurance habitation t\u00e9l\u00e9travail<\/b>. D\u00e9couvrez tout ce qu\u2019il y a \u00e0 savoir sur le t\u00e9l\u00e9travail.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<h2  class=\"p6\" id=\"assurance_habitation_teletravail_definition_du_teletravail\">Assurance habitation t\u00e9l\u00e9travail : d\u00e9finition du t\u00e9l\u00e9travail<\/h2>\n<p class=\"p2\">Avant de faire un tour d\u2019horizon sur l\u2019<b>assurance habitation en t\u00e9l\u00e9travail<\/b>, rappelons en quoi consiste ce dernier. Selon l\u2019article<span class=\"s1\"> <a href=\"https:\/\/www.legifrance.gouv.fr\/codes\/id\/LEGISCTA000025558058\/2019-03-26\/\">L1222-9 du Code du travail<\/a><\/span>, le t\u00e9l\u00e9travail se d\u00e9finit par le fait d\u2019exercer, r\u00e9guli\u00e8rement et volontairement, son activit\u00e9 professionnelle hors des locaux de l\u2019entreprise, en utilisant les technologies de l\u2019information et de la communication, tels qu\u2019un ordinateur, Internet, un t\u00e9l\u00e9phone portable, la t\u00e9l\u00e9phonie mobile, le fax, la tablette\u2026 Le t\u00e9l\u00e9travail s\u2019effectue g\u00e9n\u00e9ralement au domicile du salari\u00e9, mais ce dernier peut aussi se rendre dans des lieux de travail collectif ou dans un lieu tiers, mis \u00e0 disposition par l\u2019employeur.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p2\">Le t\u00e9l\u00e9travail n\u2019est pas un am\u00e9nagement du temps de travail mais il s\u2019agit plut\u00f4t d\u2019une modalit\u00e9 d\u2019organisation du travail. Cela signifie que le t\u00e9l\u00e9travail n\u2019a pas d\u2019impact sur le d\u00e9compte du temps de travail. Le salari\u00e9 doit exercer son activit\u00e9 professionnelle de la m\u00eame mani\u00e8re que lorsqu\u2019il se trouve dans les locaux. Il doit pouvoir \u00eatre contact\u00e9 par son employeur et d\u2019autres salari\u00e9s sur son temps de travail. <span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p2\">Autrefois, le t\u00e9l\u00e9travail devait \u00eatre inscrit dans le contrat de travail du salari\u00e9. L&rsquo;ordonnance du 22 septembre 2017 relative \u00e0 la pr\u00e9visibilit\u00e9 et \u00e0 la s\u00e9curisation des relations de travail assouplit cette condition de mise en place du t\u00e9l\u00e9travail. Ainsi, le t\u00e9l\u00e9travail peut \u00eatre instaur\u00e9 suite \u00e0 un accord collectif ou \u00e0 d\u00e9faut gr\u00e2ce \u00e0 une charte d\u2019entreprise sign\u00e9e par des repr\u00e9sentants des salari\u00e9s. Un simple accord mutuel, oral ou \u00e9crit, entre l\u2019employeur et le salari\u00e9 suffit, pour mettre en place le t\u00e9l\u00e9travail de mani\u00e8re occasionnelle.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p2\"><span class=\"s2\">    <div class=\"shortcode shortcode--lugia callout callout--info \">\n        <p class=\"callout__title\">\n            Important        <\/p>\n        <p>\n            <\/span><\/p>\n<p class=\"p5\">Le t\u00e9l\u00e9travail peut \u00eatre impos\u00e9 aux salari\u00e9s par l\u2019employeur en cas de force majeur telle qu\u2019une pand\u00e9mie.<span class=\"s2\">        <\/p>\n    <\/div>\n<\/span><span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p6\">\u00c0 qui s\u2019adresse le t\u00e9l\u00e9travail ?<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p7\">Le t\u00e9l\u00e9travail s\u2019adresse aux travailleurs suivants :<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p7\"><span class=\"s2\"><\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li2\">les salari\u00e9s du secteur priv\u00e9 ;<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li2\">le personnel employ\u00e9 par des personnes publiques dans les conditions du droit priv\u00e9 ;<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li2\">les fonctionnaires civils des administrations de l\u2019\u00c9tat, des r\u00e9gions, des d\u00e9partements, des communes et de leurs \u00e9tablissements publics dont ceux des h\u00f4pitaux.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li2\">les agents publics civils qui ne sont pas fonctionnaires.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li2\">les magistrats de l\u2019ordre judiciaires <span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li7\">les travailleurs ind\u00e9pendants pratiquant le travail nomade ou \u00e0 distance.<\/li>\n<\/ul>\n<p class=\"p7\"><span class=\"s2\"><span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/p>\n<p class=\"p6\">Quelles sont les obligations de l&#8217;employeur face au t\u00e9l\u00e9travail ?<\/p>\n<p class=\"p10\">L\u2019employeur doit respecter certaines obligations dans le but de permettre aux employ\u00e9s de t\u00e9l\u00e9travailler dans de bonnes conditions, parmi elles :<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li2\"><span class=\"s1\">Traiter de la m\u00eame mani\u00e8re les salari\u00e9s travaillant \u00e0 domicile que ceux travaillant dans les locaux de l\u2019entreprise.<span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/li>\n<li class=\"li2\"><span class=\"s1\">Respecter les r\u00e8gles de la RGPD concernant les donn\u00e9es collect\u00e9es durant la pratique du t\u00e9l\u00e9travail.<span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/li>\n<li class=\"li2\"><span class=\"s1\">Tenir informer tous les salari\u00e9s sur l\u2019accord de branche ou l\u2019accord d\u2019entreprise en ce qui concerne le t\u00e9l\u00e9travail.<\/span><\/li>\n<li class=\"li2\"><span class=\"s1\">\u00c9quiper suffisamment le salari\u00e9 en t\u00e9l\u00e9travail de mat\u00e9riel de qualit\u00e9 et lui fournir du mobilier ergonomique afin de prot\u00e9ger sa sant\u00e9 et sa s\u00e9curit\u00e9 et pr\u00e9venir des risques psycho-sociaux.<\/span><\/li>\n<li class=\"li2\"><span class=\"s1\">Respecter le droit \u00e0 la d\u00e9connexion des salari\u00e9s en mettant en place des horaires pr\u00e9cis o\u00f9 il est autoris\u00e9 de contacter le salari\u00e9 dans le cadre de son activit\u00e9 professionnelle. <span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/li>\n<li class=\"li2\"><span class=\"s1\">Fixer un entretien annuel avec le salari\u00e9 pour que celui-ci puisse s\u2019exprimer sur sa charge de travail et les conditions de son activit\u00e9 en t\u00e9l\u00e9travail.<\/span><\/li>\n<li class=\"li2\"><span class=\"s1\">Si le salari\u00e9 en t\u00e9l\u00e9travail souhaite reprendre un poste au sein des locaux de l\u2019entreprise correspondant \u00e0 ses qualifications et ses comp\u00e9tences, lui donner la priorit\u00e9. <span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/li>\n<li class=\"li2\"><span class=\"s1\">La prise en charge des frais li\u00e9s au t\u00e9l\u00e9travail, qui sont engag\u00e9s par le salari\u00e9. Elle peut s\u2019effectuer par un remboursement, sur la base des d\u00e9penses r\u00e9ellement engag\u00e9es par le salari\u00e9 et justifi\u00e9es ou par le versement d\u2019une indemnit\u00e9 forfaitaire.<span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/li>\n<\/ul>\n<p class=\"p6\">Quels sont les droits et obligations d\u2019un salari\u00e9 en t\u00e9l\u00e9travail ?<\/p>\n<p class=\"p12\">Comme \u00e9voqu\u00e9 plus haut, un salari\u00e9 en t\u00e9l\u00e9travail dispose des m\u00eames droits qu\u2019un salari\u00e9 travaillant dans les locaux de l\u2019entreprise. Cela concerne :<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p7\"><span class=\"s2\"><\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li2\"><span class=\"s1\">Les droits g\u00e9n\u00e9raux qui donnent acc\u00e8s \u00e0 la formation, \u00e0 la sant\u00e9 et la s\u00e9curit\u00e9 au travail, \u00e0 la transmission d\u2019informations syndicales, \u00e0 un acc\u00e8s aux activit\u00e9s sociales et aux avantages sociaux de l\u2019entreprise, au respect de la vie priv\u00e9e et au droit \u00e0 la d\u00e9connexion.<span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/li>\n<li class=\"li2\"><span class=\"s1\">L\u2019arr\u00eat du t\u00e9l\u00e9travail \u00e0 tout moment de la vie professionnelle du salari\u00e9.<span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/li>\n<li class=\"li7\"><span class=\"s1\">Le refus du t\u00e9l\u00e9travail qui n\u2019est, en aucun cas, un motif de rupture du contrat de travail.<span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/li>\n<\/ul>\n<p class=\"p7\"><span class=\"s2\"><span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/p>\n<p class=\"p10\">De la m\u00eame mani\u00e8re qu\u2019il dispose de droit, le salari\u00e9 a aussi des devoirs envers son employeur, afin d\u2019assurer le bon fonctionnement du t\u00e9l\u00e9travail. Il a l\u2019obligation de respecter les horaires de travail et de prendre soin du mat\u00e9riel et des \u00e9quipements fournis par l\u2019entreprise.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p6\">Quels sont les risques li\u00e9s au t\u00e9l\u00e9travail ?<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p2\">Le t\u00e9l\u00e9travail, tout comme le travail en entreprise, pr\u00e9sente certains risques pour le salari\u00e9 et pour l\u2019employeur. G\u00e9n\u00e9ralement, ces risques sont principalement informatiques, comme :<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li14\"><span class=\"s1\">l\u2019utilisation de l\u2019ordinateur personnel pour acc\u00e9der au r\u00e9seau de l\u2019entreprise ;<span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/li>\n<li class=\"li14\"><span class=\"s1\">la surcharge des prises multiples ;<\/span><\/li>\n<li class=\"li14\"><span class=\"s1\">les connexions mal adapt\u00e9es au nombre d\u2019utilisateurs ;<\/span><\/li>\n<li class=\"li14\"><span class=\"s1\">les piratages et les virus.<span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/li>\n<\/ul>\n<p class=\"p2\">Cependant d\u2019autres risques mat\u00e9riels peuvent survenir, parmi eux :<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li2\">Le vol d&rsquo;appareils \u00e9lectroniques, comme un ordinateur ou un t\u00e9l\u00e9phone professionnel.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li2\">Le vol de donn\u00e9es sensibles.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li2\">Un incendie ou une inondation au domicile du salari\u00e9 pouvant entra\u00eener la perte du mat\u00e9riel ou de documents professionnels.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li2\">Un accident domestique lors des heures de travail \u00e0 domicile.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<\/ul>\n<p class=\"p2\"><span class=\"s2\">    <div class=\"shortcode shortcode--lugia callout callout--info \">\n        <p class=\"callout__title\">\n            Important        <\/p>\n        <p>\n            <\/span><\/p>\n<p class=\"p5\">L\u2019assurance multirisques professionnelle de l\u2019employeur couvre le salari\u00e9 en cas de blessure. En effet, l\u2019article L1222-9 du Code du travail pr\u00e9cise que <span class=\"s1\">\u00ab l&rsquo;accident survenu sur le lieu o\u00f9 est exerc\u00e9 le t\u00e9l\u00e9travail pendant l&rsquo;exercice de l&rsquo;activit\u00e9 professionnelle du t\u00e9l\u00e9travailleur est pr\u00e9sum\u00e9 \u00eatre un accident de travail \u00bb. Ainsi, un accident survenu \u00e0 son domicile durant les horaires de travail est pris en charge par l\u2019Assurance Maladie ainsi que par la pr\u00e9voyance de l\u2019entreprise.<\/span><span class=\"s2\">        <\/p>\n    <\/div>\n<\/span><span class=\"s1\"><span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/p>\n<h2  class=\"p6\" id=\"quelle_assurance_en_cas_de_teletravail\">Quelle assurance en cas de t\u00e9l\u00e9travail ?<\/h2>\n<p class=\"p2\">Un salari\u00e9 en t\u00e9l\u00e9travail b\u00e9n\u00e9ficie de la m\u00eame protection que s\u2019il effectuait son activit\u00e9 professionnelle dans les locaux de l\u2019entreprise. Par exemple, si le salari\u00e9 se blesse durant ses heures de travail au sein de son domicile, l\u2019accident sera consid\u00e9r\u00e9 comme un accident du travail.<\/p>\n<p class=\"p7\">Ainsi, il doit transmettre \u00e0 son employeur une <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/multirisques\/attestation\/\"><b>attestation d\u2019assurance multirisques habitation <\/b><\/a>de son lieu de travail et l\u2019entreprise, via sa police d\u2019assurance, doit couvrir l\u2019extension de garanties n\u00e9cessaire pour l\u2019utilisation de son logement \u00e0 des fins professionnelles. L\u2019employeur doit v\u00e9rifier que son assurance multirisque professionnelle prend en charge tous les risques associ\u00e9s au t\u00e9l\u00e9travail, c&rsquo;est-\u00e0-dire :<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p7\"><span class=\"s2\"><\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li2\">la <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/responsabilite-civile\/\"><b>responsabilit\u00e9 civile professionnelle<\/b><\/a> ;<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li2\">les dommages caus\u00e9s aux biens professionnels, au mat\u00e9riel, ainsi qu\u2019aux \u00e9quipements mis \u00e0 disposition par l\u2019entreprise, par un sinistre comme, une catastrophe naturelle, un vol, un incendie ou une chute.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li7\">toute atteinte aux donn\u00e9es sensibles g\u00e9r\u00e9es.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<\/ul>\n<p class=\"p7\"><span class=\"s2\"><span class=\"Apple-converted-space\">\u00a0<\/span><\/span><\/p>\n<p class=\"p2\">De son c\u00f4t\u00e9, le salari\u00e9 doit souscrire une <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/multirisques\/\">assurance multirisques habitation<\/a> pour couvrir les dommages caus\u00e9s \u00e0 ses biens personnels en cas de sinistre. Et oui, l\u2019<b>assurance habitation et le t\u00e9l\u00e9travail <\/b>sont compatibles. En effet, l\u2019employeur ne prend en charge que les biens professionnels. Si le salari\u00e9 travaille sur un ordinateur personnel, celui-ci est couvert par sa propre assurance. Cependant, certains assureurs peuvent prendre en consid\u00e9ration le fait d\u2019utiliser un \u00e9quipement personnel \u00e0 des fins professionnelles.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p2\">Le salari\u00e9 utilisant son propre mat\u00e9riel doit v\u00e9rifier aupr\u00e8s de son assurance habitation, que celle-ci couvre le t\u00e9l\u00e9travail sans surprime. Dans certains cas, il est n\u00e9cessaire de souscrire une garantie<b> <\/b>sp\u00e9cifique ou de demander une extension de garanties. Cela engendrera des frais financiers suppl\u00e9mentaires.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p2\">Si ce n\u2019est pas encore le cas, il est conseill\u00e9 au salari\u00e9 de souscrire une <b>assurance habitation pour le t\u00e9l\u00e9travail<\/b> permettant d\u2019offrir un niveau de garantie couvrant le mat\u00e9riel informatique personnel ou tout dommage caus\u00e9 par le mat\u00e9riel professionnel sur les biens personnels. <span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p2\"><span class=\"s2\">    <div class=\"shortcode shortcode--lugia callout callout--info \">\n        <p class=\"callout__title\">\n            Bon \u00e0 savoir        <\/p>\n        <p>\n            <\/span><span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p2\">Si l\u2019employeur demande au salari\u00e9 d\u2019utiliser son mat\u00e9riel personnel \u00e0 des fins professionnelles, ce sera \u00e0 l\u2019entreprise de l&rsquo;assur\u00e9 en cas de dommages. Par ailleurs, il faudra que cela soit mentionn\u00e9 dans le contrat de travail.<span class=\"s2\">        <\/p>\n    <\/div>\n<\/span><span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p2\">Concernant un salari\u00e9 en t\u00e9l\u00e9travail chez un ami, dont le mat\u00e9riel professionnel causerait des dommages, la responsabilit\u00e9 professionnelle de l\u2019employeur aurait l\u2019obligation d\u2019intervenir.<\/p>\n<p class=\"p2\">En r\u00e9sum\u00e9, l\u2019assurance professionnelle de l\u2019entreprise couvre le salari\u00e9 en cas de :<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li2\">Vol du mat\u00e9riel professionnel au domicile du salari\u00e9 ou dommages caus\u00e9s au mat\u00e9riel professionnel durant un cambriolage.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li2\">Perte ou d\u00e9t\u00e9rioration du mat\u00e9riel professionnel ou de donn\u00e9es sensibles si un sinistre survient. Ce peut \u00eatre le cas \u00e0 la suite d\u2019un incendie ou d\u2019une inondation.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li2\">Piratage de donn\u00e9es sensibles, plus courantes hors des locaux de l\u2019entreprise.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<\/ul>\n<p class=\"p2\">Quant \u00e0 elle, l\u2019<b>assurance habitation t\u00e9l\u00e9travail<\/b> du salari\u00e9 prend en charge :<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li2\">Les biens personnels endommag\u00e9s par le mat\u00e9riel professionnel.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li5\">Le mat\u00e9riel professionnel uniquement dans le cas o\u00f9 ce serait aussi le mat\u00e9riel personnel du salari\u00e9. <span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<\/ul>\n<h2  class=\"p6\" id=\"comment_savoir_si_mon_assurance_couvre_le_teletravail\">Comment savoir si mon assurance couvre le t\u00e9l\u00e9travail ?<\/h2>\n<p class=\"p2\">Pour rappel, m\u00eame si une <b>assurance habitation t\u00e9l\u00e9travail<\/b> est fortement conseill\u00e9e, celle-ci n\u2019est pas obligatoire. Avant de souscrire une assurance sp\u00e9cifique ou de faire une demande de t\u00e9l\u00e9travail \u00e0 son employeur, il est important de s\u2019assurer des risques couverts par son assurance habitation. \u00c0 noter que la majorit\u00e9 des <b>contrats d\u2019assurance multirisques habitation<\/b> prennent en charge les dommages caus\u00e9s aux biens personnels par le mat\u00e9riel professionnel. Avant de commencer le t\u00e9l\u00e9travail, il faut pr\u00e9venir son assurance de l\u2019int\u00e9gration de cette nouvelle pratique dans son quotidien professionnel.<\/p>\n<p class=\"p2\">En mati\u00e8re d\u2019<b>assurance multirisques habitation<\/b>, papernest propose des <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/prix\/pas-cher\/\">formules \u00e0 la fois efficaces et pas ch\u00e8res<\/a>, vous permettant de b\u00e9n\u00e9ficier d\u2019une couverture sur les dommages caus\u00e9s \u00e0 vos biens personnels dans le cadre du t\u00e9l\u00e9travail. Pour choisir et souscrire une formule, rien de plus simple : soit vous utilisez le comparateur en ligne papernest, soit vous faites appel \u00e0 un conseiller papernest. <span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p2\"><span class=\"s2\">    <div class=\"shortcode shortcode--lugia callout callout--info \">\n        <p class=\"callout__title\">\n            Bon \u00e0 savoir        <\/p>\n        <p>\n            <\/span><\/p>\n<p class=\"p5\">La pratique du t\u00e9l\u00e9travail au sein de son domicile lorsqu\u2019on est locataire doit \u00eatre connue du propri\u00e9taire ou du syndicat de copropri\u00e9t\u00e9. Ils sont en droit de demander la souscription \u00e0 une <b>assurance habitation t\u00e9l\u00e9travail<\/b>.<span class=\"s2\">        <\/p>\n    <\/div>\n<\/span><span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<h2  class=\"p6\" id=\"quelle_assurance_pour_les_travailleurs_independants_exercant_a_domicile\">Quelle assurance pour les travailleurs ind\u00e9pendants exer\u00e7ant \u00e0 domicile ?<\/h2>\n<p>&nbsp;<\/p>\n<p>Avant toute chose, pour trouver l&rsquo;assurance habitation idoine, vous pouvez\u00a0 les <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/comparateur\/\">comparez<\/a> entre elles, ou faire une <a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/comparateur\/simulation\/\">simulation<\/a>.<\/p>\n<p class=\"p2\">Un travailleur ind\u00e9pendant exer\u00e7ant son activit\u00e9 professionnelle \u00e0 son domicile n\u2019est pas consid\u00e9r\u00e9 comme \u00e9tant en t\u00e9l\u00e9travail. C\u2019est donc au micro entrepreneur d\u2019assurer, lui-m\u00eame, son mat\u00e9riel professionnel et de souscrire une assurance habitation t\u00e9l\u00e9travail pour ind\u00e9pendant. Ce type de contrat d\u2019assurance habitation t\u00e9l\u00e9travail offre une couverture pour le mat\u00e9riel professionnel utilis\u00e9 au m\u00eame titre que les biens personnels pr\u00e9sents dans le logement.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p2\">Dans la majorit\u00e9 des cas, une assurance multirisques habitation est suffisante pour prendre en charge les potentiels dommages comme un d\u00e9g\u00e2t des eaux, un cambriolage\u2026<span class=\"Apple-converted-space\">\u00a0 <\/span>Le travailleur ind\u00e9pendant doit, par ailleurs, souscrire des extensions de garanties, s\u2019il dispose de locaux ou de mat\u00e9riel professionnel entrepos\u00e9 comme des stocks, des mati\u00e8res premi\u00e8res ou des logiciels sp\u00e9cifiques. Une assurance multirisques professionnelle prot\u00e8ge le local d\u00e9di\u00e9 \u00e0 l&rsquo;activit\u00e9 professionnelle et le mat\u00e9riel professionnel.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p2\">Par ailleurs, il est recommand\u00e9 de souscrire d\u2019autres assurances :<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li2\">Une <b>assurance responsabilit\u00e9 civile professionnelle<\/b>, indispensable pour certaines professions r\u00e9glement\u00e9es, notamment le secteur du BTP. Elle est souvent incluse dans une assurance multirisques professionnelle.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li5\">Une mutuelle sant\u00e9 sp\u00e9cifique aux ind\u00e9pendants afin de b\u00e9n\u00e9ficier de remboursements sant\u00e9.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<\/ul>\n<h2  class=\"p6\" id=\"bonus_obtenir_une_attestation_dassurance_habitation_teletravail\">\u00a0Bonus : obtenir une attestation d&rsquo;assurance habitation t\u00e9l\u00e9travail<span class=\"Apple-converted-space\">\u00a0<\/span><\/h2>\n<p class=\"p2\">Un employeur peut l\u00e9galement demander une <b>attestation d\u2019assurance habitation t\u00e9l\u00e9travail<\/b> \u00e0 son employ\u00e9. Cette demande peut se faire que le t\u00e9l\u00e9travail soit ponctuel ou r\u00e9current.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p2\">L&rsquo;attestation<b> <\/b>d\u2019<b>assurance habitation t\u00e9l\u00e9travail<\/b> :<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li2\">Assure \u00e0 l\u2019employeur que le salari\u00e9 est couvert en cas de sinistre.<\/li>\n<li class=\"li2\">Assure que l\u2019assurance du salari\u00e9 est inform\u00e9e que ce dernier pratique le t\u00e9l\u00e9travail.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<\/ul>\n<p class=\"p2\">Ce document pr\u00e9cise par \u00e9crit :<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<ul class=\"ul1\">\n<li class=\"li2\">la prise en charge du travail \u00e0 distance ;<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<li class=\"li2\">le type de couverture pr\u00e9vue dans le cadre du t\u00e9l\u00e9travail<\/li>\n<li class=\"li2\">les biens mobiliers ou mat\u00e9riel informatique pris en charge par le contrat d\u2019<b>assurance habitation t\u00e9l\u00e9travail<\/b>.<span class=\"Apple-converted-space\">\u00a0<\/span><\/li>\n<\/ul>\n<p class=\"p2\">Le salari\u00e9 assur\u00e9 peut t\u00e9l\u00e9charger l\u2019attestation d\u2019<b>assurance habitation t\u00e9l\u00e9travail<\/b> directement sur son espace client ou son application mobile.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p2\">Une fois la compagnie d\u2019assurance pr\u00e9venue du nouveau mode d\u2019organisation, elle sera en mesure de vous d\u00e9livrer l\u2019attestation d\u2019<b>assurance habitation t\u00e9l\u00e9travail<\/b>. \u00c0 noter que l\u2019assurance habitation t\u00e9l\u00e9travail est valable, que le t\u00e9l\u00e9travail soit occasionnel ou non. De m\u00eame, le travail \u00e0 domicile ne d\u00e9pend pas de la volont\u00e9 de l\u2019employeur et une attestation sp\u00e9cifique pourra \u00eatre d\u00e9livr\u00e9e dans le cas d\u2019une situation exceptionnelle comme un confinement.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n<p class=\"p5\">Diff\u00e9rents exemples d\u2019attestations pour l\u2019assurance habitation t\u00e9l\u00e9travail existent. Elles d\u00e9pendent de la compagnie d\u2019assurance. Cependant, toutes les attestations habitation t\u00e9l\u00e9travail, peu importe l\u2019assureur, indiquent aux entreprises la prise la couverture du salari\u00e9 assur\u00e9 et de ses biens personnels en cas de sinistre.<span class=\"Apple-converted-space\">\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"<p>La pand\u00e9mie du Covid-19 a oblig\u00e9 les entreprises et les salari\u00e9s \u00e0 repenser fondamentalement les modes d\u2019organisation et de travail. Aujourd\u2019hui, bien qu\u2019il y ait peu \u00e0 peu un retour \u00e0 la normale, la pratique du t\u00e9l\u00e9travail semble s\u2019\u00eatre d\u00e9finitivement ancr\u00e9e au sein du monde professionnel. Bien que relativement nouveau et peu pratiqu\u00e9 auparavant, le &hellip; <\/p>\n<p class=\"link-more\"><a href=\"https:\/\/www.papercare.fr\/assurance-habitation\/teletravail\/\" class=\"more-link\">Continuer la lecture<span class=\"screen-reader-text\"> de &laquo;&nbsp;Assurance habitation t\u00e9l\u00e9travail : 7 choses \u00e0 conna\u00eetre\u00a0&nbsp;&raquo;<\/span><\/a><\/p>\n","protected":false},"author":1094,"featured_media":512,"parent":305,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"inline_featured_image":false,"footnotes":""},"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v21.5 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Tour d\u2019horizon sur l\u2019assurance habitation t\u00e9l\u00e9travail\u00a0- papercare<\/title>\n<meta name=\"description\" content=\"D\u00e9couvrez comment souscrire une assurance habitation t\u00e9l\u00e9travail pour travailler chez soi en toute 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employeur peut-il refuser de m'accorder un poste en t\u00e9l\u00e9travail ?","Faut-il fournir une attestation d'assurance pour le t\u00e9l\u00e9travail ?","Est-il possible de travailler hors de son domicile en t\u00e9l\u00e9travail ?\u00a0"],"papernest-faq-answers":["<p class=\"p2\">Aucune loi n\u2019impose \u00e0 une entreprise d\u2019accepter une demande de t\u00e9l\u00e9travail d\u2019un salari\u00e9. Cependant, il doit justifier son refus d\u00e8s lors que la demande \u00e9mane d\u2019un salari\u00e9 occupant un poste \u00e9ligible \u00e0 ce mode d'organisation, dans les conditions pr\u00e9vues par l\u2019accord collectif ou la charte. De m\u00eame, si la demande provient d\u2019un travailleur handicap\u00e9 ou d\u2019un proche aidant, il devra motiver son refus.<\/p>\n<p class=\"p17\">Les crit\u00e8res de s\u00e9lection retenus par un employeur pour acc\u00e9der \u00e0 une demande de t\u00e9l\u00e9travail doivent reposer sur des \u00e9l\u00e9ments objectifs. Il est \u00e9vident que la d\u00e9cision ne peut reposer sur un motif discriminatoire, telle que la situation familiale. Si un salari\u00e9 se voit refuser ce mode d\u2019organisation alors qu\u2019il remplit tous les crit\u00e8res \u00e9nonc\u00e9s par l\u2019accord ou la charte et qu\u2019en plus, ses coll\u00e8gues exer\u00e7ant le m\u00eame travail peuvent le pratiquer, il pourra invoquer une in\u00e9galit\u00e9 de traitement.<\/p>\n","<p>Un salari\u00e9 n\u2019est pas oblig\u00e9 de transmettre une attestation d\u2019assurance habitation t\u00e9l\u00e9travail \u00e0 son employeur. Cependant, il est fr\u00e9quent que l\u2019entreprise demande une assurance multirisque habitation, dans le but de contr\u00f4ler que les biens personnels du salari\u00e9 soient bien pris en charge dans le cadre du t\u00e9l\u00e9travail. \u00c0 noter que l\u2019attestation d\u2019assurance habitation habitation n\u2019est obligatoire que pour une location.<\/p>\n","<p class=\"p2\">D\u2019un point de vue purement l\u00e9gal, il est tout \u00e0 fait possible pour un salari\u00e9 de t\u00e9l\u00e9travailler en dehors de son domicile sans en avertir son employeur. En effet, cela rel\u00e8ve de sa vie priv\u00e9e.<\/p>\n<p class=\"p2\">En revanche, l\u2019entreprise peut instaurer des restrictions en incluant dans le contrat de travail un clause de domicile. Cette clause doit \u00eatre proportionn\u00e9e et indispensable \u00e0 la protection des int\u00e9r\u00eats l\u00e9gaux de l\u2019entreprise. Ce serait le cas, par exemple, si un salari\u00e9 \u00e9tait soumis \u00e0 des situations d\u2019urgence le poussant \u00e0 devoir se rendre dans les locaux de l\u2019entreprise rapidement.<\/p>\n<p class=\"p2\">En ce qui concerne le t\u00e9l\u00e9travail \u00e0 l\u2019\u00e9tranger, il n\u2019est pas interdit, cependant, cela soul\u00e8ve des questions d\u2019un point de vue de l\u00e9galisation du travail et de s\u00e9curit\u00e9 sociale. Il faudra imp\u00e9rativement v\u00e9rifier les conditions du contrat d\u2019<b>assurance habitation t\u00e9l\u00e9travail<\/b>.<\/p>\n"]},"_links":{"self":[{"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages\/511"}],"collection":[{"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages"}],"about":[{"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/types\/page"}],"author":[{"embeddable":true,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/users\/1094"}],"replies":[{"embeddable":true,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/comments?post=511"}],"version-history":[{"count":5,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages\/511\/revisions"}],"predecessor-version":[{"id":1089,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages\/511\/revisions\/1089"}],"up":[{"embeddable":true,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/pages\/305"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/media\/512"}],"wp:attachment":[{"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/media?parent=511"}],"wp:term":[{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.papercare.fr\/wp-json\/wp\/v2\/tags?post=511"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}