Insurance Considerations for Employees Working from Home

What you need to know. 

Remote and hybrid working, it seems, are here to stay. But as the lines are blurred between working and living environments, many people don’t realise how this shift could affect their home insurance. 

At Performance Direct, we often speak to customers who are unsure whether their cover still matches their lifestyle. Here’s what you should know.

Clerical work at home

If your work involves only clerical tasks, like sending emails, phone calls, or video conferencing, your contents insurance will usually protect your home office equipment. 

Most policies cover essentials like computers, chairs, and desks and if your employer owns the equipment, it’s normally insured under their business cover.

Business activity on your property

If your home doubles as a workplace where clients visit or business activity takes place, it’s important to tell your insurer. Examples include:

• Running a treatment or therapy service

• Beauty services such as hair or nails

• Tutoring or teaching students

• Pet grooming or pet boarding

• Storing business stock or specialist equipment

In these scenarios, you may need additional protection such as liability insurance or a small business policy.

Garden offices and converted spaces

Outbuildings like sheds, garages, or summer houses are increasingly used as dedicated offices. These can usually be covered, but only if declared. If you store high-value equipment in these spaces, make sure it’s included on your policy. Some outbuildings may need to be listed individually.

Shifts in risk

Being home more often may reduce burglary risks, but accidents and wear-and-tear claims can increase. Adding accidental damage cover can provide extra protection for equipment and furnishings.

Why being upfront matters

Your insurance relies on accurate disclosure. Failing to notify your insurer about business use, visitors, or changes in how your home is used could invalidate your policy.

Our advice

For most clerical workers, standard contents insurance is sufficient. But if your work setup involves clients, stock, or specialist equipment, it’s vital to review your policy. At Performance Direct, we recommend checking your cover regularly to avoid gaps in protection.