Do you need insurance to work from home?

This question crops up a lot, after all, home working is growing in popularity because it is flexible, allowing employees to work hours that suit their family and lifestyle.

Advancements in technology, such as broadband, home PCs and wi-fi, means that people can work just about anywhere.

But, you shouldn’t think that just because you operate your business from home that your home owners insurance will cover a mishap. You must run through your policies with a fine tooth comb.

If you are operating a business, even as a sole trader then you must have liability insurance, which covers its legal liability for personal injury to employees while acting in the course of their employment.

If you are an employee then you need to check that the company you work for has employee liability insurance and that the cover extends to where the employee is working home. Public Liability Insurance is also recommended, which covers the legal liability of the employer and its employees for injury and/or property damage to third parties, covers situations where the employee is working at or from home.

So what risks could you face?

As soon as a client enters your house then you could be liable if anything untoward happens to them. They might not even cross the threshold. If they trip and injure themselves on that cracked front step you’ve been meaning to get fixed for ages then they might have a claim against you.

The bottom line is, the only way to protect you, your business and clients is to ensure that you are properly insured. If you aren’t then you could risk your reputation and your livelihood.