You need house insurance to protect your private properties. This doesn’t fully cover remote work liabilities. But if you make use of company tools while working from home, the house insurance gives limited compensation, says Randon Morris.

1. HOMEOWNERS
INSURANCE
AND
WORKING
FROM HOME

2. When you work remotely, your house insurance
may be affected depending on the magnitude of
the remote work.
If you’re the sole owner of the firm, your company is
not protected by your primary house insurance
policies. You need to include additional coverage to
your existing insurance.

3. Questions to ask
yourself before getting
an insurance
Did they employ you as a work-at-home
staff in your firm?
Are you equipped with devices from work
that are used by you every day?
Do you own house/tenant insurance?
Are the house insurance covering remote
employment?

4. Will the house
policy coverage
extend to
damaged
business Tools?

5. You need house insurance to protect
your private properties. This doesn’t fully
cover remote work liabilities. But if you
make use of company tools while
working from home, the house insurance
gives limited compensation, says Randon
Morris.

6. What are the differences
between an employed
worker and a stand-alone
contractor?
Contractors who work independently
are not covered by homeowners’
insurance. On the other hand,
employees who are working from
home full time have limited
insurance.

7. Full-time
remote
workers
These types of workers must be given
their work tools. Their organization
should be the ones to provide them
with these tools. This will make their
work easier and faster. The company
must also provide insurance for remote
work injuries. It doesn’t matter where
they are, so far, they got injured while
on the job.

8. Filling insurance
forms by remote
workers

9. Contractors who work
independently can add an
endorsement to their
homeowners’ insurance policy.
This type of policy protects their
contractors and their work tools.
Remote employees who work full
time should first ask about their
company’s insurance plan and
what it covers. You can ask your
superior about what work-related
liabilities are and the insurance
that covers those. Before you sign
a full-time work contract with any
company, carefully read their
insurance policies on the contract.