While most employees are now working from home in order to prevent catching and spreading COVID-19, this poses some additional risks for business owners that we'd like you to be aware of. 
Workers' Compensation
According to the Occupational Safety and Health Administration (OSHA), small business owners are responsible for providing employees with safe work environments. All remote workers have the same workers' compensation benefits as in-office employees. Cases regarding workers' compensation have shown that laws tend to see the home offices no differently than office buildings or storefronts.
With that being said, you could still be held liable if someone, employee or not, is injured in your employee's home office. This could also apply to property damaged in the home office setting. For these reasons, it's important to have public General Liability insurance.
Data Security
Having the ability to offer your employees the opportunity to work from home can help them maintain a "business as usual" mentality even during a challenging situation, but working from home introduces a whole slew of cyber security risks. Even security-savvy professionals can miss baby monitors, smart appliances, and other potential entry points for hackers.
Small Business Trends reported that 48% of cyber attacks were due to a negligent employee or contractor, and that number wasn't calculated amidst a global pandemic. This means it is vitally important that everyone in the company is up-to-date on all security policies, understands secure and unsecure WiFi networks, and uses company devices for work purposes only.
What to do
With employees accessing your information in non-traditional ways, like outside of your office, cyber criminals are looking for opportunities to strike. Consider a robust cyber insurance policy that provides breach response, breach notification, crisis management, forensic and legal services, etc.
In situations like this or if you have any questions, always speak with your insurance agent. You can ask them about having employees work from home to make sure that you are adequately covered in your area. It's also important to know that lost income that results from a situation such as the current pandemic won't be covered by insurance. Again, this is something you can go over with your insurance agent.