| Those people who work on a regular basis from | | | | don't think about when taking this route. If you are |
| home should find out if they have enough business | | | | thinking of working from home then you should |
| cover in place. If you are in employment with a | | | | review your insurance policy to make sure that you |
| company then the chances are that you have. | | | | have enough cover in place. |
| However if you are classed as self- employed and | | | | If looking for insurance then the best way to |
| work from home of your own accord then this is | | | | purchase it is without a doubt from the comfort of |
| another matter and it is these people who should be | | | | your own home. Looking onine for insurance can get |
| asking themselves if they have enough cover. | | | | you the best deal, while it also gives plenty of |
| There are many factors to be taken into | | | | information regarding the type of cover you are likely |
| consideration when working from home, one of them | | | | to need when considering working from home. |
| being that office equipment which is considered to be | | | | All insurance policies have clauses within them and |
| for commercial reasons, when used in the home | | | | exclusions, so it is in your best interests to make |
| environment may not be covered when taken out of | | | | sure you fully understand this when taking out the |
| the office and into the home. | | | | policy. If the policy states that computer equipment |
| Over 69% of workers, if they had the choice, would | | | | is covered then this won't necessarily mean |
| elect to work from their home. This means that this | | | | computer equipment which is seen as running a |
| could leave many without enough cover should | | | | business from, but rather your own personal |
| anything go wrong. | | | | computer. |
| Another factor that has to be taken into account | | | | The wording of the policy has to be looked over |
| when working from home is the liability issues, if | | | | very carefully and you shouldn't just assume that |
| clients are going to the home instead of the | | | | items are covered just because they are in your |
| workplace and, for example they should suffer an | | | | home. In the majority of policies any equipment that |
| accident whilst being there, they could be left being | | | | is considered to be office equipment needs a special |
| unable to claim. | | | | policy or inclusion in your existing policy, which will |
| While working from home certainly has its | | | | usually cost more to add on. |
| advantages, insurance is one factor that many simply | | | | |