Did you know that your equipment can be protected during home office?
Hello!
Welcome to another #MondayBlog! The topic today is home office, and our conviction that home office is here to stay is strong, dear reader.
Do you know why? Because, in the midst of all the chaos of this pandemic, we found it possible to work well and comfortably in our own homes. All we need is discipline, a reserved space with our notebook and cell phone, a good internet connection and a good insurance.
Home office insurance? Yes, insurance. The truth is that anything that is risk-related can and should be insured. Think of it this way:
Can it be stolen? Can it break? Can it burn? So it can be insured.
If your property gives TL (total loss) will it hurt your pocket to replace it? So, insure it well. Did you understand the principle?
Imagine then, you, dear producer, working from home or your employees and collaborators, all working, respectively, in their own homes, using company equipment.
There are risks inherent to accidents, which can be easily remembered, such as: children and pets playing in their homes! Did you feel the need?
With this in mind, we at Prospecto have brought you some really cool information to enrich your knowledge and let you know that there are interesting possibilities in the insurance market that can meet needs you may not even have realized you have.
Insurers have upgraded their usual products to include additional coverage and/or new categories, due to the great need for coverage in these new risk situations, and today, we are going to explain how these coverages work.
Home Insurance
Within this insurance, coverage is more suitable for the self-employed, freelancer, MEI, who work primarily from home and with their own equipment.
In this case, there is a guarantee for all equipment, furniture and utensils, inside the residence, which are used for the insured's professional activity.
It is important to note that there is no coverage for third-party assets in your possession for carrying out work.
Business Insurance
As the name implies, it is an insurance aimed at companies, but with the additional Home Office coverage, the insured is guaranteed coverage for the company's goods and equipment in use in the homes of its employees.
And in that case, there is no coverage for the equipment that belongs to employees.
Did you like this option? We at Prospecto find this type of product very relevant in our current scenario.
Of course, we will soon be able to go back to our routine of going to the office and living a normal life, but it's good to know that the old patterns have been irrevocably changed, and going forward, we'll be more relaxed about dealing with our work from within our houses.
We believe that the next few days will reveal mixed work environments, where bosses and employees will have home office days as a routine.
And, also, we see all of this as an opportunity to reduce stress levels, improving our quality of life. More contact with our children and pets at home has also done wonders in our lives, hasn't it?
Not to mention the decrease in traffic in large cities and, consequently, the drop in pollution and gas emissions.
And you, dear reader, what is your opinion about the home office?
See you next Monday at another #MondayBlog!
An excellent week, lovers!
Prospecto Seguros
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Audiovisual Production
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Errors and Omissions
Life and Personal Accidents