The generalization of remote work has transformed our homes into secondary offices. It's not uncommon to have a MacBook Pro, a dual screen, and a high-end office chair at home. But in the event of a burglary or water damage, who reimburses this very expensive equipment?
If you are an employee (equipment provided by the employer)
In principle, your personal home insurance does not cover items used for professional purposes, especially if they do not belong to you. It's the company's equipment, so it's up to the company's insurance to cover the claim.
However, in case of theft, the police will ask you for serial numbers and an exact description for the complaint, and your employer will need the same information. It is imperative to integrate this equipment into your inventory with a clear mention (via private notes for example) indicating that it belongs to the company.
If you are an independent / Freelance
If you bought equipment through your business account and work from your living room, beware: standard multi-risk home insurance often excludes damages to « goods for professional use ». You must declare this activity to your insurer, who will add a specific extension of guarantee to your contract.
The SafeInventa advantage
To avoid administrative nightmares during a claim, you must clearly separate your personal and professional belongings. The SafeInventa interface allows you to add notes to each object and keep invoices (which will bear your company's name). When generating the PDF report, the clarity of the list will speed up processing by both insurances (yours and your employer's).