✅ What is covered by Luko when you work from home :
Your home and the goods inside
Your Civil Liability, in case you cause damages to a third party
Your Defence and Recourse, in case you are victim of accidental damages
❓ What if a colleague comes to work at your place ?
If he causes you damages, his Civil Liability will cover it.
If you cause damages to him, it will be your Civil Liability that will cover it
❌ What is not covered :
Professional equipment :
It is not covered by Luko but by your employer’s insurance.
If it is damaged during remote work, it must be reported to your employer, who will take care of the insurance.
Your Civil Liability / Defence and Recourse, when you receive clients at home.
In case of an incident with a customer, your professional insurance must cover it.
❗ Good to know :
You are covered in the case you're a salaried employee doing remote work.
But your activities as a self-employed worker are not covered.