Brokers invited to verify that their clients working from home are covered by insurance


“There is a danger that because most circumstances are covered, those that aren’t will just assume they don’t need to worry, and that could put millions of homes at risk.”

Ceta Insurance urges brokers to check with their clients to ensure their insurance policies cover them if they are working from home.

As a result of the pandemic, the number of people working from home has increased from 27% in 2019 to 37% in 2020, and while many are now returning to the office, the majority (57%) of workers say they would rather continue. to work from home full time or at least part of the time.

While for most people working from home does not impact their home insurance, there are a number of exceptions and Ceta Insurance urges brokers to check with their clients to make sure. that they are covered.

James O’Hara, Commercial Director at Ceta, said: “According to the ABI, if you are an office worker who continues to work from home in at least some capacity, ‘it will remain so’ that you do not need to contact your insurer, but there is a certain number of exceptions.

“For example, if you have visitors to your home for professional reasons, you manufacture, sell or store goods at home, offer home services, that is to say beauty care, hairdressing, child care or started running a home business during the pandemic. . “

One of the main areas of contention is conversions, extensions and renovations – according to the ABI home insurance policies will also need to be reviewed if the house has been altered in any way to accommodate a home office environment.

This could impact a significant number of people, because while most homeworkers have set up a makeshift home office in the living room (21%) or bedroom (15%), 7% have either set up the garage , either a house or a shed, while 3% have built a dedicated office in the garden – all of which should be reported to the insurer, as they fall under the exclusions.

O’Hara added: “While it’s great news that most work-at-home jobs are covered by a standard home insurance policy, there is a risk that, because most circumstances are covered, those that aren’t will just assume. that they don’t need to worry, and it could put millions of homes at risk.

“So there is a huge opportunity for brokers to get in touch with their clients to verify their work from home situations. If they find out that their client has created a new office space, that they are now offering services from their home, or that they have clients or clients to visit, then they can really show their value by helping them find. competitive coverage for their new home work situation. and stay closer to their customers for any upcoming move or remortgage.

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