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The Association of British Insurers (ABI) pointed out that it is employers' duty to ensure they sort out the necessary level of cover for employees based at home.
Malcolm Tarling, a spokesperson for the ABI, advised that individuals involved in new arrangements consider the kind of work involved when exploring insurance options.
"If you're working from home and are self-employed then you obviously need to make sure you have adequate business insurance cover, which would not normally be covered through a household policy," remarked Mr Tarling.
"Normally you can get your household policy extended to cover business use, or if insurers are unwilling to do that you would need to take out a separate business policy designed for home workers, and obviously there are a growing number," he added.
When individuals are in employment, stated the ABI representative, bosses must make sure they arrange necessary cover.
"Employer's liability can be extended to cover employees not working in the main business premises," he explained, emphasising that employers are responsible for ensuring employees have a safe environment to work in.
Quantum Risk Management is a leading health and safety consultant
Home workers must have 'necessary level' of insurance cover
Business insurance should be a priority for firms with home working arrangements, according to experts.The Association of British Insurers (ABI) pointed out that it is employers' duty to ensure they sort out the necessary level of cover for employees based at home.
Malcolm Tarling, a spokesperson for the ABI, advised that individuals involved in new arrangements consider the kind of work involved when exploring insurance options.
"If you're working from home and are self-employed then you obviously need to make sure you have adequate business insurance cover, which would not normally be covered through a household policy," remarked Mr Tarling.
"Normally you can get your household policy extended to cover business use, or if insurers are unwilling to do that you would need to take out a separate business policy designed for home workers, and obviously there are a growing number," he added.
When individuals are in employment, stated the ABI representative, bosses must make sure they arrange necessary cover.
"Employer's liability can be extended to cover employees not working in the main business premises," he explained, emphasising that employers are responsible for ensuring employees have a safe environment to work in.
Quantum Risk Management is a leading health and safety consultant
Posted on 23/11/2007
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