Working remotely? Check that your home insurance covers professional use: equipment, civil liability, and both domestic and professional use. Inform your insurer and adjust your coverage with KT Assur&Bank.
Remote work has become a permanent fixture for many employees and freelancers. If your home is also becoming your workspace, your home insurance deserves a closer look. It's essential to check that your comprehensive home insurance policy adequately covers this new reality: professional equipment at home, extended use, and modified liability. This article will guide you in adapting your coverage and working with peace of mind.
1. Why does your "work-friendly" home require special attention?
- Working from home changes the use of your home: professional equipment (computer, printer, screen), visits from clients or colleagues, specific installations.
- In the event of a disaster (fire, water damage, theft) during your home-based business activity, standard coverage may not be sufficient or may have exclusions.
- Your civil liability could be invoked on new grounds: accident caused to a third party (visiting colleague), damage to professional equipment, loss of data.
2. Employee, self-employed or self-employed: who covers what?
2.1 Employee working remotely
- The employer must provide a portion of the coverage related to occupational risks. However, your home insurance policy remains responsible for claims related to your home.
- You must inform your insurer that you are working remotely in order to assess whether an extension of coverage is necessary.
2.2 Self-employed/Independent Worker
- In this case, you must ensure that your business assets are covered (equipment, customers, data); this may require an extension or dedicated insurance.
3. Guarantees to prioritize and clauses to check
Private and professional civil liability
Make sure that the civil liability coverage in your contract covers damage caused to a third party in the context of teleworking (e.g., a client slipping in your home).
Professional goods and equipment
If you use professional or personal equipment for professional purposes, check that the contract covers damage (theft, fire, water damage) related to this equipment.
Rental use or reception of third parties
If your premises receive clients or the public (home meetings), this may change your risk profile and require a "home business" guarantee or equivalent.
Teleworking extension or adapted multi-risk home insurance
Some insurers offer a "teleworking" option or an addendum for professional use of the home.
Housing/occupation clauses…
Please check carefully:
- that the contract does not exclude the professional use of the home.
- that the coverage applies in the event of unavailability of the premises (e.g., major damage, interruption of activity).
- that the professional equipment is properly declared.
4. Good habits for adapting your cover
- Inform your insurer of your status (teleworking, professional use).
- List all the equipment used at home for professional purposes (computer, server, printer, etc.) and declare it.
- Check your contract to see if a "teleworking" extension is offered or if professional insurance is required.
- Ask your employer if an addendum is provided or if they require proof of home insurance that mentions teleworking. caisse-epargne.fr
- In the event of significant activity or receiving third parties, consider multi-risk professional insurance or an extension of your home insurance policy.
- Keep all invoices, proof of purchase of equipment and employment contracts/teleworking charter.
Conclusion
Working from home doesn't mean you can neglect your insurance: your home usage changes, risks are amplified, and responsibilities can evolve. By adapting your home insurance policy to the realities of working from home, you can protect yourself with peace of mind. With KT Assur&Bank, benefit from expert guidance to adjust your coverage to your professional lifestyle at home.