Working at Home Insurance Considerations
on March 10, 2020
These are some property insurance and cyber security insurance issues that are relevant to every APA member during this period of working at home because of Coronavirus.
This advice was provided for APA by Tyers – formerly Stonehouse Integro, insurance brokers:
- Please ensure you check your policy schedule to see what the
limits are for computers, laptops and equipment being taken away from the
premises and whether they are covered on a ‘Worldwide’ basis. If in any doubt,
refer to your broker for advice on whether the limits or geographical limits
- We recommend that you should (re)issue your guidance to employees
for security and safety of equipment whilst at their homes and away from the
- Laptops and smaller items should be locked away if possible at the
end of each day or at least stored out of sight. For the more bulky items in
homes i.e. edit suites, try to ensure that they are out of view of the windows.
- When homes are empty ensure that all windows are shut and that any
additional security measures are set, for instance double locks on doors or
security alarm systems.
- Please advise your broker of any particularly high value items
such as edit suites or cameras e.g items over £5,000 as it may be necessary for
insurers to specifically note them and additional security may be required at
the employee’s home.
- Where office premises are vacated please ensure you check whether
your policy contains an ‘Unoccupancy Clause’ and discuss with your broker
- Consider whether employees can still back-up work whilst at home.
If employees are not connected to their usual server then it would be prudent
to consider what additional measures need to be put in place.
- Please consider any additional Cyber Security Risk that may arise
via employees accessing systems through their own secure networks.
recommend that all remote computers and laptops are password protected and that
all key files are backed up to your encrypted central file server.