When people started working from home as a result of the Pandemic they set up some type of a workspace; often working from their kitchen tables. When someone uses their kitchen table as a make shift desk while working from home, it may treated as being used “primarily for business purposes” under their insurance policy, which could leave the kitchen table, for all intents and purposes, uninsured. Reason being, home insurance policies significantly limit coverage for property used “primarily for business purposes.”
So, the question becomes; is the kitchen table used primarily for business purposes, and thus limited business property, under the home insurance policy? The question sounds ridiculous, but the answer may come as a surprise. Exploring the answer will help all people that work from home better understand how to properly insure their personal property that is used for business.
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