Steer Your Business Dec 2020 - Magazine - Page 21
Are you working from home?
Need I ask?
“Am I insured to work from home?”…
“What if I injure myself whilst working from
home?”… “Are my employees insured like
they were in the office?” …
These were all questions that I was asked multiple times
within a few days of the announcement for the first UK
wide lockdown. Covid-19 has changed the face of many insurance policies, but there are a few things that you should
know about your home insurance if you have found yourself
working from home this year…
If you are an employee, you are probably in your mortgaged or rented home, or indeed working from a room at
your parent’s home. So home insurance is at the forefront
of my mind. All insurance works on a principle of ‘Insurable
Interest’ this simply means, you cannot insure something
that is not yours. So there are a few things that you need
to do to protect your home when it comes to your home
• Let your Buildings &/or Contents insurance provider
know that you now work from home, even if it is only
• Business equipment; let your insurer know if you have
brought new equipment, or indeed if you now have
property in your home that does not belong to you.
• Speak with your employer about safe working practises,
taking regular screen breaks and what the expecta tions are around any business equipment that you may
be in possession of.
Other things to consider:
• Will you be driving to see clients now that theycan’t
come to your office? Then you need to add Business
cover to your Car Insurance.
• Will clients be coming to your home to see you?
Your Buildings &/or Contents insurance provider will
need to know so that you are insured for the public
liability of any visitors.
• Anyone working with you at home? Then you will
require Employers Liability cover for the protection of
your staff, even if they are voluntary.
If you are an employer, then you are already aware that you
have a long list of responsibilities towards your staff. That
list has a few extra points on it now, such as;
• Speaking with your Business insurance provider to ex
plain that your Employers Liability Insurance needs to
cover your staff from their homes too.
• Protect your business equipment UK wide - you can
cover your business equipment on what is referred to
as ‘All Risks’ this means that if it stolen/damaged within
your employee’s home, then you can still claim for the
• HSE Workstation Assessments and PAT testing – have
you decided how this will be carried out going forward?
There are businesses that are visiting homes to carry
these out, it is still an obligation that you need to meet,
legally & in order for your insurance to remain valid.
• Have you spoken with your employees about regular
screen breaks and taking care of your business
equipment? By writing these simple things into the
business protocols for your staff, it could save you
money on Employers Liability claims.
Other things to consider:
• Is your office now unoccupied? You will need to speak
to your insurer to make them aware that your office is
not used as it previously has been. Have you arranged
for regular checks of the building? Do you need to turn
off any utilities? These are questions that your business
insurance provider can assist you with.
• Vehicles; perhaps you are letting your employees take
fleet vehicles home with them now? You will need to
discuss this with your insurance provider, as the post
codes of the overnight vehicle location will need updating.
It is true that lots of insurance policies will require different
elements of cover, revised limits and potentially new business protocols to ensure that the policy will still pay out if
you claim. Please don’t leave this until your next insurance
renewal to review, what could be a simple administration
task for you now with a small charge to pay (if any) could
save you time, money and worry in the event of a future
I understand that things are different right now and that
there are a lot of changes to everything; but your insurance
policy is included! If you aren’t sure
about any feature of cover, then
please do ask for advice. Insurance is one of the last sectors
where you will find free & qualified assistance from a professional, so call your local Insurance
Broker and ask questions. I know
that I am always glad to assist!
Contact Anna Wilkinson on
0208 773 2222 – firstname.lastname@example.org –