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I work from home - Do I need Legal Liability insurance?

There are many benefits to working from home, however it is important to consider the risks too. Working from home can lure you into a false sense of security that you are less likely to issues or potential threats, however this is not the case.

Whilst you are in a working environment where clients, your employees and even you are working, Legal Liability insurance is very important.

There are approximately 1.5 million people who are lucky enough to work exclusively from home - with this lifestyle comes a range of business benefits, including: reduced overhead costs, no commute to work, plus of course the freedom to stay at home all day!

Working from home may appear to be the perfect working environment, however it by no means excludes you from risks or threats. Many are under the impression that issues that may occur when working from home, will be covered within your home insurance - this is unfortunately not always the case. It is therefore crucial that those working from home check their home insurance policy to ensure that the business is covered and secure throughout the working day.

What business risks will I face when working at home?

If you are in the position to invite clients to your home, the same risks apply as those that are present when working within a usual office or other working environment. Should a client trip on a loose paving slab in your driveway, suddenly you are faced with a business claim.

Alternatively, consider the possibility of you dog knocking a client's smartphone from their hands - as a business owner, you would now have the responsibilty of replacing the expensive item.

Working from home may appear to be the safest option, and in many ways it is, however is does not mean business owners who work in this way are exempt from risks or insurance claims from any party involved.

Make sure that your business remains secure by investing in Legal Liability insurance from Alan & Thomas.