The year 2020 required many companies to revise business models to allow employees to work from home, as this was needed to ensure the safety of employees in the face of a pandemic. If you were one of the many employees who began working from home, it is essential to understand if you are covered by home insurance.

If you live (and thus, work) in the greater Albany, NY capital region, NY Twin Bridges Insurance Agency’s professionals are available to assist you in determining if working from home creates unnecessary risk or risk that can be mitigated with insurance.   

Standard home insurance typically does not provide enough coverage for employees who work from home. For instance, a typical homeowner’s insurance may not cover damages to equipment owned by your employer. So, contingent on your position, it may be wise to add these coverages –

• Professional Indemnity – covers you if someone claims that your professional advice or service was incorrect or was the cause of financial liability.  
• Public Liability – covers you if anyone (i.e.., clients) gets injured on your property.

While insurance will cover you in your home, various aspects may be problematic when working from home. Depending on the employer, you may find it difficult to be compensated if something unfortunate occurs. These potential problems may include property losses, health-related sickness/injuries, or liability requirements in terms of safety.

Additionally, it is essential to have a complete understanding of what your employer’s insurance will cover.

Working from home can be considered either a blessing or a curse, depending on who is asked. NY Twin Bridges Insurance Agency operates as an independent agency located in Albany, NY. Our professionals can help you determine your coverage needs before anything happens that requires insurance coverage.