> You could change insurers- not everyone has this kind of tracking As far as I know, all of the company insurances require pretty strict documentation of when

> You could change insurers- not everyone has this kind of tracking As far as I know, all of the company insurances require pretty strict documentation of when who was working (or not) because the difference between "I fell of my office chair during my free time" and "I fell of my chair while working" is financially significant for them. I did check the major ones because I also thought it's irritating - and I mean I'm legally an employee, too, so this directly affects me - but I couldn't find a better offer. I fully agree with you that their risk aversion shouldn't force me to change my behavior, but then again, I have to accept this level of bullshit from pretty much every large supplier, because my company is too small for them to take me seriously.