As a teleworker, do I need to take out my own insurance XE “insurance” to protect my home-office equipment, to cover accidents in the home-office, to cover data leaks and to cover any other risks?
A19. In general from COMPANYs viewpoint, NO, you do not need to take out extra insurance XE “insurance” as a COMPANY teleworker. COMPANY is insured XE “insured” against most risks and our policies extend to all places of COMPANY business which include home-offices, data in transit etc. So if home-office equipment is stolen or destroyed at home or in transit, COMPANY can claim in the usual way. Notes: You are however advised to check your insurance XE “insurance” policies to ensure that working at home does not nullify any of your home insurance. For example there may be a perceived additional risk of fire from the office equipment or of burglary because of the extra value of equipment, or because of a greater flow of business visitors. Note that neither COMPANY nor you as an individual, teleworking or central-office working, can insure against criminal XE “criminal” acts or criminal negligence; which are the ultimate sanctions under the data-protection and health & safety laws so it pa
