Insights into Additional Commercial Insurance for Remote Workers

Did you know that 18% of employees across the United States work from home? Interestingly, in Montgomery County, PA, the figure increases to about 25%, even projected into 2024. Despite these statistics, many home workers underutilize additional commercial insurance.

At Bucksmont Insurance, we have vast experience advising clients on needing extra insurance while working from home. Here are a few crucial coverage areas to consider:

Commercial Vehicle Insurance

Without a business rider endorsement in Pennsylvania, your personal auto insurance may not adequately cover liability, collisions, and more comprehensive aspects. Let us at Bucksmont Insurance guide you accordingly.

Workers Compensation Insurance

If you have employees in your home office, you may need to provide workers’ compensation insurance unless they are contractors. We are here to help you ascertain if you need this coverage.

Professional Liability Insurance

Known as E&O insurance, it covers any errors or omissions in your clients’ services. This coverage is crucial for wide-ranging professionals like doctors, lawyers, and teachers.

Certain clients based in Montgomery County, PA, may require specialized commercial insurance while operating their businesses from home. Such customized insurances include environmental compliance policies, regulatory compliance insurance, and increased liability insurance for clients’ injuries while visiting.

Interestingly, securing proper additional commercial insurance for your home-based business doesn’t only ease your stress. It could also help you acquire new clients who see this insurance coverage as a sign of professional reliability.

If you’re a remote worker, your homeowner’s or renter’s policy may not suffice. Drop by Bucksmont Insurance for a confidential review of all your insurance needs.