The home office is fairly commonplace these days as more people choose to work from home, either telecommuting or starting their own businesses.
Several things need to be considered when setting up a home office, not the least being how to insure it. If you are working at home under a telecommuting arrangement with your employer, the risk will be borne either wholly or partially by them. You will need to clarify exactly who is responsible for what before entering into the arrangement.
If starting a business from home, you are responsible for ensuring that the insurance coverage is adequate. Some different types of insurance for the home-based business operator to consider are:
Office equipment
Inventory (if stock kept on the premises):
Public Liability
Professional Indemnity
Workers Compensation
Personal Accident/Income Protection
Many small or micro business operators may feel they need little, if any, additional insurance. Picture this
Your home is struck by lightning during a major storm and all of your electrical equipment is fried. Your Home Contents Policy will cover replacement of household...
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