Property at the homes of Directors/Partners/Principals or Employees
The Policy is automatically extended to provide cover for Property (including electronic office equipment) temporarily removed from the Business Premises to the homes of Directors/Partners/Principals/Employees as a result of the restrictions imposed due to the COVID-19 pandemic.
This cover is provided up to a limit of:
- £1,500 any one item
- A maximum of £3,000 at any one Employee's home.
This extension is automatically provided for Property otherwise covered under the Policy and subject to the Policy Wording and Excess in the Policy. The total Sums Insured will be limited to those specified in the Policy Schedule.
Public and Employers’ Liability
Your customers’ Employers’ Liability Policy automatically provides coverage for home working activity. For many businesses this will represent a change to their normal operating procedures, and it’s therefore important to ensure that they continue to comply with relevant legislation such as the Health and Safety at Work etc. Act 1974. The Health and Safety Executive have published their latest information and advice on their webpage with regard to home working, and we request they follow this guidance.
Where your customers’ Public Liability policy doesn’t currently provide coverage for working from home, it’s automatically extended to do so for non-manual activities only