Insurance & COVID-19: The New Home Office

We have now all settled into a new routine. The morning is no longer stressed by a long commute in a car on congested roads. Instead, for most of us, the commute is from your kitchen to wherever your new make-shift desk is located. The stress of the commute is now replaced by the stress of trying to work from home and trying to home school your children. In the midst of all of that, we want to make sure that the stress does NOT include issues in the event of an uncovered insurance loss.

Most home policies have strict limitations of “business property” like computers, printers, phones, copiers, etc. When you moved your office into your house, did you call to review what, if any changes, may be necessary to make sure these items are covered? More challenging is the limitation for liability coverage for home offices. Your personal insurance does NOT provide liability coverage for any business exposure. Since you are working from home, does the Fedex, UPS, or mail carrier deliver business mail or packages to your home? Did you talk with your insurance professional about a simple and inexpensive fix for this new exposure?

We are in strange times. What we may have thought were just short term changes may become long term trends. Be sure to take time to discuss any of these changes with your insurance professional. Don’t have an insurance professional? Contact Us or call us at 610-933-4950.

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Serving Phoenixville and the surrounding areas since 1933