INSURANCE COVERAGE FOR BUSINESS EQUIPMENT & PERSONAL LIABILITY
Coverage for business equipment used at home may also depend on “how” or “who” bought the computer, printer, or desk. If an employer purchased the computer, printer, desk, or any business equipment for use at home by an employee and, for example, this equipment is destroyed by fire, it may be covered by the employer’s insurance like it would be covered if it was destroyed at the office. Again, however, it depends on the language in the employer’s commercial or business insurance policy.
Coverage for personal liability when an employee is working from home typically has limited coverage. For example, if clients are now coming to an employee’s home for business purposes, a homeowners policy will likely not cover a client or guest who slips and falls going down outside stairs—an accidental injury—or cover medical expenses therefrom. The homeowner will pay for that injury and those expenses. An employer’s business insurance policy in that situation will probably not pick up coverage either although some business policies do cover remote workers’ liability but with that coverage also comes the requirement that the remote-at-home employee is responsible to keep a safe working environment, which means, if the injury was caused by the homeowner’s failure to keep a safe working environment, then, of course, there would be no coverage.