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Insurance for home workers

By Emma Leclerc|3 min|August 2021

Home insurance is designed to protect your private life activities, so it is not designed to protect business activities, even if they are conducted in the private sphere.

Why choose home-based worker's insurance?

This insurance covers the actual value of your business assets. In many cases, this value is much higher than the $2000 covered for this type of property in your basic insurance.

Depending on the insurer, this insurance can either be a document (amendment) attached to the existing home insurance contract, or a separate insurance contract.

What are the protections offered by home-based worker insurance?

  • Protection for damages caused to others (civil liability)

Example: A customer is injured while using your product and claims for reimbursement of medical expenses.

  • Protection in case of loss of profits and operations

Example: a fire or water damage prevents you from working and causes you to lose customers and revenue.

  • Protection of accounts receivable, valuable documents and professional fees

Example: A disaster causes you to lose your accounts receivable list and you have no way of tracking unpaid invoices.

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