Overview
If you work from home, your Home Insurance may provide some cover, but additional protection will likely be needed, depending on your activities.
What’s Covered?
- Basic Work Equipment – Computers, printers, and office furniture (if declared); as long as your home is only being used as a supplementary "work from home" office and not as your main commercial activity.
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Accidental Damage – If covered under your policy.
What’s Not Covered?
- Business stock, tools, or high-value work equipment unless separately insured.
- Client or employee injuries - commercial liability insurance cover is needed in this case.
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Commercial activities (e.g., running a shop or workshop) without special cover.
Do You Need Additional Cover?
- If you run a home-based business, you should speak to our Commercial Insurance Team about Business Insurance.
- If clients visit your home, Commercial Public Liability Cover is recommended.
- Expensive equipment or equipment primarily used for commercial purposes may require cover under a Business Insurance Policy.
How to Ensure Proper Coverage?
- Inform Laferla if you use your home for work, and our team will guide you.
- List valuable work equipment separately.
- Discuss additional cover options based on your needs.
For personalised guidance, contact our team today at info@laferla.com.mt