A growing number of employees exceed the ‘working from home’ way of life. 

As a growing number of employees exceed the ‘working from home’ way of life, a vast majority are working from converted sheds and garages as the coronavirus pandemic changes our attitude to home working. It is also reported that homeowners are planning a dedicated office in their homes, as the anxiety of mixing with colleagues in the office grows stronger. However, there are warnings that some shed and garage offices come with an insurance risk, basically not being covered at all of something goes wrong.

Ricki Grenfell of RG Contractors in Warwickshire suggests that just one in ten of employees work from a converted shed, garage or summerhouse, a proportion expected to rise by 13%. However, the popularity of the so-called home office has risen, with some people spending on a luxury cabin for the garden.

The word garage has even become the most popular search term on Google in today’s society, as we still battle the climate of the pandemic. Offices within the home are more likely increase in value not just becoming more popular. Working from Home is more than just lying-in bed with a laptop, it’s about making a working environment feel a bit more homely and secure. Freelances have been doing this for years, way before COVID-19.

in ten of employees work from a converted shed, garage or summerhouse,

the popularity of the so-called home office has risen, with some people spending on a luxury cabin for the garden.

Are shed and garage Offices an Insurance risk?
Shed Offices an Insurance risk?

The word garage has even become the most popular search term on Google in today’s society, as we still battle the climate of the pandemic. Offices within the home are more likely increase in value not just becoming more popular. Working from Home is more than just lying-in bed with a laptop, it’s about making a working environment feel a bit more homely and secure. Freelances have been doing this for years, way before COVID-19.

 

While working from home is not a choice of every employee, and employers still wanting their workers in the office, we are likely however, to see more flexibility of remote working and be classed as a basic benchmark for the future.

Although, as with any office – home or well, an actual office, businesses are covered with insurance, but a majority of new start-ups from the house are potentially without any insurance cover at all. For example, craft workers using fire or burning tools, or home cooks selling their creations might require a specialist insurance that protects them from a risk of fire to the property or food poisoning.

 

Some insurers however, have allowed people setting up businesses at home at no extra cost, but some people may need to buy new policies or pay larger premiums owing to the extra risk. Also, there is the risk that expensive equipment might bust insurance limits in existing policies if stolen or damaged.

We understand that the pandemic has made many people, employees, and employers rethink their work or expanding their hobby into a new business venture. In an unpredictable society, it’s fantastic to see so many entrepreneurial spirts, but running a business from home will come with a risk and people should be aware.

 

For example, standard home insurance products are designed to cover your property for domestic use only, not as a business, although some may allow you to office work from home. However, if you are using your home as a business premises storing stock and equipment at home or having customers visit; socially-distanced of course, you could invalidate your current policy.

garden room the perfect space creating solution while working from homeHassle-free, cost-effective and contemporary; it makes a modern alternative to traditional home extension methods such as loft conversions or conservatories.

As a stand-alone structure, our products provide separation from the distractions of home; creating a private space to relax, focus and get creative. Architecturally beautiful and finished in natural materials, a garden room is hand crafted to perfection to provide a stunning addition to your home and garden. Whether you are looking for a small or a larger space for working from home, we have got it covered.

Anyone who is thinking about setting up a business at home, we suggest that you discuss your plans with your insurer. They might consider a home worker insurance policy, with small business insurance brokers able to offer guidance.

We pride ourselves on making incredible spaces. We deliver quality workmanship and ensure those finishing touches such as location and material suit your lifestyle, home and environment.