2023-05-08 22:00:00
Should you notify your insurer if you work from home?
It is not mandatory to notify your insurer if you are teleworking, in general. Indeed, most home insurance automatically takes into account a guarantee relating to telework. In addition, they frequently include sufficient coverage to protect the premises used for teleworking.
However, it is best to check that your contract does not require you to inform your insurer and that it contains the guarantees necessary for teleworking. To do this, you can contact your insurance advisor with whom you are in contact. You can also do this:
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by going to your personal online space (website or application) made available by your insurance company or your insurance intermediary;
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by consulting your insurance contract;
Good to know: The insurance certificate
In practice, employers often ask their teleworking employees for a home insurance certificate. The document does not specify the extent of the warranty. It only certifies that you have taken out insurance for your home.
What are the risks covered by your employer?
The employer must guarantee the same protection to all his employees.
For companies, having professional multi-risk insurance is crucial. This policy compensates claims occurring on company premises or while working remotely.
Here are the main damages covered by the employer’s insurance are:
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theft of company equipment;
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claims related to fire or water damage to company property;
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damage caused to third parties by an employee;
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data hacking.
Please note that professional multi-risk insurance does not compensate accidents at work, it is Social Security that does.
What are the risks of teleworking covered by your home insurance?
You do not have to take out any specific personal insurance for your telework. That of your employer is sufficient in addition to your own home insurance.
In telework, it may happen to use personal property for your activity. This is particularly the case for:
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internet connection;
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computer equipment (an additional screen, mouse, headset, etc.);
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a desk and a chair;
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a printer, etc.
This personal equipment must be insured under your personal home insurance. Indeed, it is of mixed use (professional/personal). This equipment is covered by your employer’s multi-risk insurance only if the latter has expressly requested its use for professional purposes.
Can the premium for your home insurance be increased in the event of teleworking?
Most home insurance includes the guarantees necessary for teleworking. You will therefore have no increase if you start working from home on an ad hoc or regular basis.
If your insurance does not provide for this, it is better to find a more protective policy. You can get a online home insurance quote.
The information in this article is given for information only and does not engage the responsibility of Crédit Agricole; they are in no way intended to replace the knowledge and skills of the reader. It is strongly recommended to seek the advice of a professional.
Certain products and services mentioned in this article may be marketed by Crédit Agricole: find out about their availability at your Regional Bank.
Subscription to these products and services may be subject to conditions or to the regulations in force, as well as to the study and acceptance of your file by your Regional Bank.
The guarantees of the Home Insurance contract are provided by PACIFICA, a company governed by the Insurance Code (complete legal notices accessible ici).
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