Do you work from home?

WORKING FROM HOME: ARE YOU PROPERLY COVERED BY YOUR HOME INSURANCE?

Did you know that if you carry out professional activities in your home, you must inform your home insurer? Most home insurance contracts don’t automatically cover business use in the home.

WHY DECLARE A HOME OFFICE TO YOUR INSURER?

Working from home has many advantages, but alsoinsurance implications.. Without a specific clause added to your contract, you may not be compensated in the event of a loss affecting :

• Your business assets (computers, printers, tools)
• Your documents or customer files
• Your professional liability at home
  
  

CONCRETE EXAMPLE: A CUSTOMER INJURES HIMSELF IN YOUR HOME

Let’s say a customer visits your home and slips on a poorly maintained staircase. He could sue you for compensation related to :

• A physical injury
• Loss of income during convalescence
• Moral or material damage

Without appropriate protection, your standard home insurance policy may refuse to cover this type of incident, on the grounds that it is linked to an undeclared professional activity.

WHAT COVER DO YOU NEED?

By notifying your home insurance broker, you can add a professional clause covering :

• Your work-related equipment
• Your personal property used in your business
• Your professional liability at home

This type of protection is essential for self-employed workers, consultants, or anyone with a home office.

IN SUMMARY

Working from home is convenient, but it’s not easy when it comes to insurance. To avoid unpleasant surprises, talk to your insurer or home insurance broker to make sure your coverage reflects your professional reality.