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Is insurance necessary if your business is remote?
November 13, 2020
Covid-19 truly revolutionized most people’s workspaces as most companies required some or full-time remote work for their employees. And many business owners also shifted their work from a storefront or headquarters into their private homes.
For the right coverage in a remote workplace, you still need general liability, or the portion of the policy that covers a business from claims such as bodily injury or third party property damage. It also covers incidents if employees work remotely.
You will also need property insurance, even if it’s based out of your home. Many property insurance policies cover business-related equipment such as computers or tools. It would cover any accidental loss or damage for your remote workers.
Business owners may need additional aspects to their insurance plans to cover workers’ compensation, even if their employees are based out of their own offices. Do not let little details go unnoticed during the insurance selection process.
In general, it’s critical to remember that a business in your home is still a business. It needs and requires the same protections as any store or retailer. Select an insurance plan with help from proper legal representation to get the right plan for your company’s needs.