Remote and hybrid working are now the norm for many businesses. But are your insurance policies keeping up? In this article, we explore how business insurance applies to staff working from home or different locations.
Why Remote Working Impacts Insurance
When employees shift from office-based to remote or hybrid models, your risks change. Insurers need to know where people are working and what equipment or assets are being used off-site.
Failing to update your insurer could result in denied claims or inadequate cover.
What to Consider
Business Equipment at Home
If your employees use company laptops, phones, or other devices at home, make sure these are covered for:
Theft or accidental damage
Loss while travelling
Cyber security risks
Liability Risks
Public liability insurance generally covers claims that occur on your business premises. If someone visits an employee’s home for work, will you still be covered?
Employers' liability still applies, but you’ll need to confirm with your insurer that remote work locations are included.
Health and Safety Responsibilities
Employers are still responsible for the health and safety of staff working from home. If an employee is injured while working remotely, you could still face liability.
How H.I. Commercial Can Help
We help businesses across Hull and East Yorkshire adapt their cover to match their new ways of working. Whether your team is fully remote, hybrid, or office-based with occasional home working, we make sure your insurance reflects that.
Our face-to-face service means we can visit your business and talk through:
Equipment use and protection
Cyber and data risks
Employers’ liability adjustments
Public liability updates
Let’s Check Your Cover
Many policies are still based on outdated models. Let’s review yours and make sure your business is protected, wherever your team is based.
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