What Remote Workers Should Know About Insurance
Remote work has become the new normal for many. Keep in mind your daily environment and tools are now essential to your productivity—and they may also introduce new insurance challenges. Here are six critical coverage gaps remote workers should be aware of:
1. Home Policies May Not Cover Work Equipment
Standard homeowners or renters policies often limit coverage on business-related property. That means high-value items like laptops, monitors, tools, or inventory used for work might not be fully covered. To address this, consider:
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Home-based business endorsements to extend coverage for on-site business property.
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A separate Business Owners Policy (BOP) if you're running a business from home.
2. Liability Gaps for Business-Related Visitors
Your personal liability coverage typically protects against accidents involving guests—but not those related to business activities. If a client, delivery driver, or other business visitor is injured at your home, your policy may exclude the claim. You may want to add:
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General Liability Insurance
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Professional Liability (Errors & Omissions) Insurance
3. Auto Insurance May Not Cover Work-Related Driving
Using your personal vehicle for work—like running errands, deliveries, or client meetings—may not be covered under your standard auto policy. Consider:
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Hired and Non‑Owned Auto Coverage, or
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A Business Use Endorsement
for added protection.
4. Cyber Risks Are Growing—Consider Cyber Liability Insurance
With more work and sensitive data flowing through home networks and personal devices, cyber threats such as data breaches, ransomware, phishing, and business interruption are on the rise. Cyber liability insurance can help offset related costs and liabilities.
5. Workers’ Compensation – Still Applicable When Remote
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If you're a remote employee, your employer’s workers’ compensation generally still applies—though establishing work-relatedness can be complicated in a home setting.
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If you're self-employed or running your own business, you may need to procure your own workers’ compensation coverage, depending on your state’s requirements and your work activities.
6. Talk to Your Insurance Agent About Your Unique Setup
Every remote work scenario is different. The type of work you do, what equipment you rely on, and how you interact with clients or deliveries all influence your insurance needs. An independent agent can help you:
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Identify gaps in your current coverage
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Recommend endorsements or separate policies
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Ensure regulatory and compliance requirements are met
Why This Matters for Morgan Insurance Clients
Remote work isn’t a trend—it’s a permanent shift. As your trusted independent agency, Morgan Insurance wants to ensure you’re not exposed to coverage gaps. Now is an ideal time to revisit your policies and make sure your setup is fully protected.
What You Can Do Next
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Review your current homeowners/renters, auto, and liability policies.
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Evaluate whether work-related equipment and activities are adequately covered.
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Speak to your agent about adding endorsements, cyber liability, or business-use auto coverage tailored to your situation.
Source:
This post is based on Central Insurance’s blog article, What Remote Workers Should Know About Insurance, published August 15, 2025.