More and more people are beginning to choose flexible working and working from home. Because of this, many people are wondering what working at home insurance is and if they need it? Whether you are new to working from home or have been using your home as an office for a while, having the right cover is important.
Does Working From Home Affect My Home Insurance?
Some home insurance policies might not cover you if you are working from home, and so it is worth checking. Sometimes, office equipment may not be covered, and client visits can be seen as an insurance risk. Home insurance policies are usually designed for domestic use only. Should you need to make a claim when working from home, then you might not be covered.
What Is Working At Home Insurance?
It is possible to get specific insurance to cover working from home. This type of policy will cover business use in the home. It is sometimes available as an add-on to home insurance policies. Working at home insurance will vary depending on your occupation. For example, if you are running a cooking business from your home, there are more risks than someone working part-time at a computer.
Insurance providers will need information on your job and what it involves so that they can provide adequate cover. Anyone who has clients visiting their property for business reasons will also require third party liability which is sometimes included in working at home policies. This will provide cover should someone injure themselves or damage their possessions in your home.
Are You Looking For Working At Home Insurance?
For more information on working from home insurance, and to find out if it could benefit you, get in touch with our team to receive your free quote. At Just Quote Me, we are experts in finding the right insurance policies to suit your individual requirements.