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Although this was not something that was considered when everyone moved to home working due to the pandemic, if you are now considering homeworking on a permanent basis, then this is an area that needs to be reviewed. 

What should insurance policies cover: 

🟢 Personal injury in the new work location 
🟢 Damage or theft to company property 
🟢 Cyber-related breaches 
🟢 Motor insurance for company vehicles traveling to and from the remote working location  


Below are some of the policy areas that you should consider whether it is Company insurance policy or the employee's own insurance policy: 
🟢 Business activities within the house 
🟢 Has the employee notified their insurance provider 
🟢 Has the employee notified their mortgage company 
🟢 Who is responsible, if there is an increase in the employee's payment to the insurance company 
🟢 Loss and damage to equipment in the home 
🟢 Does the company's insurance policy extend to home working 
🟢 Unless you are an employer who is exempt, does your employer liability insurance cover employees working from home, ensuring that H&S requirements are also covered 
🟢 Consider IT risks 
If you are going to rely on employees insurance then it is good practice to ask for a copy. 

Duty of care 

Employers have a duty of care for their employees whether they are working from home or the office and therefore, when you are considering whether to allow employees to work from home, have a clear hybrid working policy which should also cover what expenses can be claimed, sickness absence, any financial assistance being provided, any equipment being provided etc. Please contact us, if you would like assistance with developing a hybrid working policy.  
Please do not hesitate to contact if you would like to discuss the plan you would like to put in place. Taking HR from 'TO DO' to 'DONE'. 
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