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Twin Bridges Insurance Agency

1881 Western Avenue, Suite 210
Albany, NY 12203

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Does Home Insurance Cover Work from Home?

The year 2020 required many companies to revise business models to allow employees to work from home, as this was needed to ensure the safety of employees in the face of a pandemic. If you were one of the many employees who began working from home, it is essential to understand if you are covered by home insurance.

If you live (and thus, work) in the greater Albany, NY capital region, NY Twin Bridges Insurance Agency’s professionals are available to assist you in determining if working from home creates unnecessary risk or risk that can be mitigated with insurance.   

Standard home insurance typically does not provide enough coverage for employees who work from home. For instance, a typical homeowner’s insurance may not cover damages to equipment owned by your employer. So, contingent on your position, it may be wise to add these coverages –

  • Professional Indemnity – covers you if someone claims that your professional advice or service was incorrect or was the cause of financial liability.  
  • Public Liability – covers you if anyone (i.e.., clients) gets injured on your property.

While insurance will cover you in your home, various aspects may be problematic when working from home. Depending on the employer, you may find it difficult to be compensated if something unfortunate occurs. These potential problems may include property losses, health-related sickness/injuries, or liability requirements in terms of safety.

Additionally, it is essential to have a complete understanding of what your employer’s insurance will cover.

Working from home can be considered either a blessing or a curse, depending on who is asked. NY Twin Bridges Insurance Agency operates as an independent agency located in Albany, NY. Our professionals can help you determine your coverage needs before anything happens that requires insurance coverage. 

Do you always need auto insurance in Albany?

In the Albany, NY area, owning a car is a good idea. If you are a vehicle owner here, you will find it is a lot easier to get around the area and complete your commute. As you are looking for a car, you should spend time assessing all of your insurance needs. You will need to have an auto plan here for several reasons.

Coverage is a Legal Requirement

A reason all people need to consider getting this coverage is that it is a legal requirement. Those that want to drive a vehicle in New York need to maintain auto insurance with liability coverage. This gives support in the event you cause an accident and need to cover damages. Those that do not maintain this coverage at a minimum will be in violation of this law. 

Coverage Required by Loan Providers

You also will need to have insurance for your vehicle as it is often a requirement for loan providers. Vehicles are quite expensive and taking out a loan is common to ensure you can afford the purchase of the vehicle. If you do purchase a vehicle with a loan, you will need to carry the proper insurance. This often requires that you have a full collision and comprehensive plan that will protect your vehicle, which is the lender’s collateral for the loan. 

When you are in the Albany, NY area and would like to get a new insurance plan, calling the NY Twin Bridges Insurance Agency is a good idea. There continues to be a lot of choices to make when looking for an insurance plan and NY Twin Bridges Insurance Agency can help you ensure you pick the right plan for your situation. This can help ensure you and your vehicle remain properly covered.