Working from home insurance and other concerns

The health crisis we are going through has forced many employees to switch to 100% teleworking, sometimes in far from optimal conditions. As the majority of workers have always been used to working in offices, this has come as a shock to many. For managers and employees, this presents major challenges. Questions arise around the challenges, and it is also necessary to consider issues such as working from home insurance.

The costs associated with working from home

Before the lockdown, the majority of companies said they did not feel ready to implement the changes related to teleworking. In the rush, they had to get started. Even if the current crisis may have removed some brakes, the list of obstacles is long and often linked to costs. Confusion: the training of managers, the cost of training for all (sales team, tools, modes of communication, etc.), the attachment to the work of employees, the fear of being far from the hearts of hierarchical superiors and noises in the hallway in the event of a business crisis, additional costs related to home IT installations, data security, privacy protection, etc. Vast subjects which require regulatory studies and above all to plan for investments.

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A managerial challenge

Most managers feel more comfortable in a face-to-face exchange than through a video conference. From a distance, words don’t always have the same impact, misunderstandings happen faster. The risk is then to support its collaborators less effectively in teleworking. In addition, we must keep in mind that with distance and over time, complicity or trust also weakens almost naturally, which undermines the quality of the relationship created.

The manager may, without realizing it, come to shirk their duty as a team driver and abandon some of them. The challenge is to know how to value everyone’s work with respect. From a distance, they must necessarily be more flexible, be more transparent about strategic decisions and more sharing to convey the values of the company.

Managing

Overhaul of organizations

Companies that decide to go further into teleworking will therefore have to overhaul their organization. It will be necessary to rethink things in a systemic way, to organize workspaces, computer supplies, equipment, human resources management.

The management will no longer be able to be authoritarian, that would not work. If people give up and leave, the business will lose its skills. In addition, it is more difficult to solve a difficulty alone, and also more difficult to ask for help or advice from a distant colleague. The whole organization needs to be reviewed.

Finally, it will be necessary to face the fractures on subjects linked to new tools and modes of communication, sometimes less mastered by the oldest. In short, to persist in the path of massive teleworking, it will not be easy to change everything.

Stress

While the primary benefit of teleworking is work-life balance, it can sometimes go wrong. Indeed, with work schedules made more flexible, the flip side is no longer finding the limit between the two. A considerable risk to the well-being of the employee who can work at any time, or far too long, with no one to stop him. This risk is all the more difficult to manage if the employee enjoys their job and therefore sets limits even less. In the worst case, the teleworker’s discomfort can even lead to burnout.

working stress

Hyper connected but isolated, you can drown, carried away by this wave of digital information. By telecommuting full time, you can quickly put the pressure on yourself. Stress is also wanting to appear busy and feeling pressured to stay online on Slack or Skype to prove you’re working.

While we often paint an idealized portrait of teleworking (less commuting, more peace of mind), we can also feel the stress of having to be more accountable because we are not at the office, the stress of having to be more productive because you commute less and are supposed to have less distraction by being quiet at home to work. This is where the need for face-to-face exchange, colleagues, the general atmosphere, becomes essential.

Isolation

Isolation is one of the biggest drawbacks of telecommuting. This isolation can be difficult for some people to manage. Not seeing the people, you work with and communicate with face to face can be a real handicap, both at work and in how a person feels. This isolation exists above all among employees working full time from home

By nature, the teleworker no longer shares his workplace with his colleagues. As a result, they risk feeling excluded and losing his sense of belonging to a group. Care should therefore be taken to maintain direct contact with management and colleagues. To this end, some employers limit teleworking to just a few days a week. Attending regular meetings is also a good way to prevent this isolation.

home insurance

Homeworkers insurance

You should know that even working at home is risky, so you must always be insured. A teleworker must take out adequate home insurance to cover them properly. With this in mind, it is imperative to take out professional comprehensive insurance, which will protect the house for the exercise of the activity. Classic home insurance cannot cover damage related to the profession. It is then necessary to take out at least a professional liability guarantee, where a simple home liability insurance only protects on a private and personal level. As part of a professional activity at home, the worker must cover the dedicated equipment. Professional damage insurance is designed to protect the worker and his property as work.

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We can tailor your policy to suit your exact needs to give you complete peace of mind

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Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Why choose the Property Insurance Centre

Independent broker with staff you can speak to by phone or online

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Why choose the Property Insurance Centre

Independent broker with staff you can speak to by phone or online

Access to a wide range of insurers to source suitable insurance cover for your needs

Bespoke Insurance Schemes & Portfolio Policies available

We can tailor your policy to suit your exact needs to give you complete peace of mind

Competitive Premiums

Cover available for the buildings while the property is being converted, renovated or extended

Over 40 years experience working with the best insurers in the UK

Excellent communication so that you understand what risks you are insured against

Specialists in Commercial & Residential Insurance

We have over 40 years experience as Residential and Commercial Insurance Brokers. We find the right policy to suit your needs and understand the risks that a property owner can face in the course of ownership. We work closely with our Insurers to get the best rates and our experience and excellent relationships with them mean that we can provide cover for even the most difficult to place risks.

Whether you have an adverse claims history, a high value property or a large portfolio of properties, we can source suitable cover for you. Whatever your requirements, we can tailor a specialist property insurance policy to suit your exact needs and provide you with a range of quotes to choose from. Established in 1976, we are not a call centre but a specialist insurance broker with a traditional office mentality, where the client comes first.

Looking for a quote now? Give us a call on 0800 085 3761 or complete one of our quote request forms.

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