Employees working at or from home are responsible for any tax or mortgage implications arising out of their homeworker status. It is strongly recommended that employees investigate any likely tax and mortgage implications before they commence any homeworking arrangement. Staff may also wish to take advice from their recognised trade union.
2. Employers’ Liability Insurance
The University has Employers’ Liability Insurance which covers its legal liability for personal injury to employees while acting in the course of their employment. This cover extends to situations where the employee is working at or from home.
3. Public Liability Insurance
The University has Public Liability Insurance which covers the legal liability of the University and its staff for injury and/or property damage to third parties caused whilst on University business. This cover extends to situations where the employee is working at or from home.
4. Property Insurance
- Any equipment bought and owned by the University is automatically covered by the University’s insurance subject to a £750 excess. Individual Schools and Directorates will indicate whether they also require employees working from home to include such items on their home and contents insurance in order to obtain cover with a lower excess. In circumstances where this is required any additional costs will be born by the School or Directorate.
- The University’s insurance cover includes conditions relating to security and risk management. These are detailed in Sections 2, 14 & 15 of our Insurance Handbook. This document is held by an administrator in each School and Directorate. It is the responsibility of the home worker to obtain a copy of this document and to ensure compliance with these conditions.
5. Home and Contents Insurance
- The employee working at or from home will be responsible for arranging adequate insurance of their home and contents other than the items specifically insured by the University. It is the home worker’s decision as to the level of insurance provided.
- In the case of Designated Home Workers evidence must be provided to the University that insurers of the property have been advised in writing of the employee’s working from home and have acknowledged this in writing. A sample letter is provided in section g below.
6. Notification of Incidents
- Homeworker’s Own Insurance: Incidents resulting in a claim against the home worker’s own insurance cover must be advised to their insurer.
- Employer’s Insurance: Incidents which may result in claims against the University’s insurance cover must be reported to the member of staffs line manager. Major incidents must be reported immediately by telephone to the member of staff’s line manager or as soon as is reasonably possible if the incident occurs outside office hours.
7. Example Letter to Homeworker’s Building And Contents Insurer(s)
NB. The letter should be signed by the policyholder, who may not be the home worker.