She mainly works from home, but sometimes uses the bank’s head office.
As a contractor, Judy is unsure who's responsible for her health and safety.
The bank's administrator tells her they have to take practical steps to ensure a safe work environment.
This includes training in what to do in an emergency and making sure loose cables are out of the way.
Note: What an employer needs to do to ensure workplace safety depends on the type of work involved. If Judy worked on a fishing vessel, for example, the employer would have to do much more.