As we adjust to the so-called new normal, many Naples, FL residents are now working from home as telecommute employees. If you’re working for an employer from the comfort of your guest bedroom or dining room table, you might have questions about how your homeowner’s insurance coverage extends to your new situation. Here’s what you need to know.
Your Employer’s Coverage is Primary… Sometimes
In most cases, the insurance your employer has for the business is primary over your homeowner’s policy if you’re involved in an incident during work hours. However, there are limitations.
For example, if you’re injured while working as a remote employee inside your own home, your company’s worker’s compensation insurance may or may not cover your medical bills. If the computer you use for work is supplied by your employer, their policy might cover any accidental damage or theft. But if you use your own device for business, this would fall under your homeowner’s insurance.
But what if you’re self-employed? Does this matter? The answer, is yes. In this case, you would need separate business insurance as any work-related activities you do are typically not covered under your home policy. However, there are exceptions to this rule for gig workers.
Confused, yet? It can be a really muddled picture when you get down to it and almost everyone has a different set of circumstances that need to be evaluated. Thus, if you’re working from home, it’s important to talk directly to your homeowner’s insurance agent at Pro America Insurance about your current situation. From there, they can help you work out the best plan to suit your needs.
Are you ready to learn more about coverage for your Naples, FL home? Please contact our Pro America Insurance team for details.