Rank: New forum user 
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Just been asked this question by a senior manager: We now have all staff working from home, is there a possibility they may have to declare this to personal insurance companies and if so would there be an uplift in premium?
Any views/advice welcome
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Rank: Super forum user
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I theory they could but given the current climate I strongly suspect that any company that tried to do that would be in deep doo doo.
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 1 user thanked A Kurdziel for this useful post.
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Rank: Super forum user 
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What would these homeworking employees be claiming on their private insurance? They are employees covered by employers liability during contracted working hours.
If your firm does not normally declare home workers to their liability insurer these are the people your manager should be talking to. We could also discuss declaring the operation of a business from the domestic premises - in the current circumstances I do not believe many councils are going to get over excited about a laptop in a house.
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2 users thanked Roundtuit for this useful post.
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Rank: Super forum user
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What would these homeworking employees be claiming on their private insurance? They are employees covered by employers liability during contracted working hours.
If your firm does not normally declare home workers to their liability insurer these are the people your manager should be talking to. We could also discuss declaring the operation of a business from the domestic premises - in the current circumstances I do not believe many councils are going to get over excited about a laptop in a house.
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2 users thanked Roundtuit for this useful post.
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Rank: Super forum user 
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I worked from home from 1994 onwards and it never had any impact at all on my home insurance. There is an argument that it will improve your insurance risk because your home is never unattended and therefore is less of a theft risk!
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1 user thanked Hsquared14 for this useful post.
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Rank: Super forum user
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Does depend what you are doing, chap yesterdy had his lab techs working at home!
If you are a Home worker- that is your home is your primary place of employement then you should let your insurers know. If it is just office type activities it does not usually affect your insurance.
if you are an occasional home worker- agile working then you are covered by your employers Liability Insurance provided you are working, however when you renew your hous insurance it may be worth mentioning it as Hsqured says, it could improve your security.
What is up for debate at the moment is whether organisations who normally have some people working at home-say 25%- suddenly move to 80%, should they tell their insurers of the change.
I agree that in the current climate it is probabaly not the biggest concern, but if this is likely to continue for months then maybe some thought should be given to this
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1 user thanked nic168 for this useful post.
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Rank: New forum user
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1 user thanked margocampbell for this useful post.
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