Nearest broker: Searching for a broker nearby…
Nearest broker: 2607 Ellwood Dr SW, Edmonton, AB, T6X 0P7 Phone: 780-732-8616 10060 Jasper Ave, Edmonton, AB, T5J 3R8 Phone: 780-435-3632 , Calgary, AB Phone: 403-532-4882 322 Avenue C S, Saskatoon, SK, S7M 1N4 Phone: 639-398-4170 10325 Bonaventure Dr SE, Calgary, AB, T2J 7E4 Phone: 403-695-1050 5317 50 Ave, Taber, AB, T1G 1V3 Phone: 403-223-2377 110a McLeod Ave, Spruce Grove, AB, T7X 2H8 Phone: 780-571-1144 496 Marquis Rd, Prince Albert, SK, S6V 8B3 Phone: 306-970-8080 335 Hwy Avenue N, Picture Butte, AB, T0K 1V0 Phone: 403-732-6023 103-5020 Lac St Anne Trail S, Onoway, AB, T0E 1V0 Phone: 780-967-2282 2201 Box Springs Blvd NW, Medicine Hat, AB, T1C 0C8 Phone: 403-487-5132 550 Wt Hill Blvd S, Lethbridge, AB, T1J 4Z8 Phone: 403-394-1123 734 13 St N, Lethbridge, AB, T1H 2T1 Phone: 403-328-9114 5 St SE, High River, AB Phone: 403-652-4104 9901 103 St, Fort Saskatchewan, AB, T8L 2C8 Phone: 780-998-0881 , Edson, AB, T7E 1T6 Phone: 780-440-0075 16612 109 Ave NW, Edmonton, AB, T5P 1C2 Phone: 780-486-4488 201-4271 23 Ave NW, Edmonton, AB, T6L 5Z8 Phone: 780-466-2136 3908 97 St NW, Edmonton, AB, T6E 6N2 Phone: 780-465-6900 8170 50 St NW, Edmonton, AB, T6B 1E6 Phone: 780-469-9378 52 Ave, Drayton Valley, AB Phone: 780-621-1707 264 Midpark Way SE, Calgary, AB, T2X 1J6 Phone: 403-251-2926 1331 Macleod Trail SE, Calgary, AB, T2G 0K3 Phone: 403-278-1050 1331 Macleod Trail SE, Calgary, AB, T2G 1E1 Phone: 403-255-2252 234-7 Westwinds Crescent NE, Calgary, AB, T3J 5H2 Phone: 403-775-2100 , Calgary, AB, T3K 0S8 Phone: 403-719-9995 4632 70 St NW, Calgary, AB, T3B 2K6 Phone: 403-247-6435 5114 2 St, Boyle, AB, T0A 0M0 Phone: 780-689-3946 50 Ave, Bonnyville, AB Phone: 780-826-3147 12931 20 Ave, , AB, T0K 0E0 Phone: 403-562-2191 2903 Kingsview Blvd SE, Airdrie, AB, T4A 0C4 Phone: 403-945-8885

Do I need to let my insurance company know if I’m working from home?

Business Insurance

By Joanne Lemna | September 14, 2016

More and more Canadians are working from home full-time or part-time – especially thanks to the Covid-19 pandemic. Others are running a full-time or part-time business or side-hustle from their home as well. Are you covered by your home insurance when working from home? Do you need to let your insurance company know you’re working from home?

The simple answer is yes, you should let your insurance company know you’re working from home. If you are not the business owner, working from home should not impact your home insurance. If you are the business owner, you may need to get a home-based business endorsement or a separate commercial insurance policy to ensure your company’s property and liability are covered.

Working from Home

Most home insurance policies allow working from home, although they may not cover any liability if clients are visiting you at home. You should still let your insurer know you’re working from home and the nature of your work.

If you’re an employee working from home there are three main risks to consider:

  1. Company property being stolen, damaged or destroyed.
  2. Injury to a client or damage to their property while visiting your home.
  3. Data security and privacy.

You should ensure your employer’s insurance will cover you in all scenarios and take measures to protect yourself from these three risks.

Home-Based Business Insurance

If you operate a small business from your home, you may be able to get a home-based business endorsement. This is an add-on to your home insurance policy that will cover your business-related property and liability. Your regular home insurance will not cover anything related to your business unless you have this endorsement.

This coverage isn’t offered by all home insurers and your business may not qualify – it depends on what you do.

Separate Commercial Insurance

Depending on your business, you may need a separate commercial insurance policy if you’re working from home. This will ensure your company’s property and liability are properly covered. There is a wide range of coverages available for businesses, including:

  • Commercial Property
  • Commercial General Liability
  • Professional Liability (Errors & Omissions)
  • Product Liability
  • Cyber Liability
  • Equipment Breakdown

Your insurance broker can advise which are required for your company and answer any questions you might have about your insurance and working from home.

Get A Quote From A-WIN

Get the best insurance deals and stay on budget.

Get A Quote

Life Events - It's Time to Reassess Your Insurance

Whether it’s heading off to university or deciding to start your own business,...

Download