Originally written by Ben Rose on Small Business
When the UK government enforced social distancing back in March, hundreds of thousands of small businesses, and millions of employees, found themselves remote working almost overnight. The transition to the new working environment happened remarkably quickly, and for many businesses this digital-only world was completely new ground for them.
As we all settle into what’s been termed the “new normal” however, a number of questions are being raised about how secure businesses really are with their entire workforce working remotely, and what remote working insurance they need in place to ensure they remain fully protected.
>See also: Working from home – How to manage your time and increase productivity
Am I covered for remote working in my household insurance?
Probably not. It is unlikely that your household insurance will cover any business activities unless they have been disclosed to and agreed with your insurer.
This is because most household insurance policies are only intended to cover domestic activities and not commercial activities (which may include working from home). If you work for a company, then that company won’t be a party to your household insurance contract either, so it’s important that the company has its own insurance policy