More South Africans are working from home than ever before. This isn’t a chat-up line (woah, who’ve you been hanging out with?) to get you out of the office and into your lazy boy, laptop balanced on your knees. Apparently, according to several 2025 reports, remote and hybrid work is actually on the rise again in South Africa. We didn’t see this coming, given that it was just last year (2024 if you’re here from the future), there was a return-to-office trend.
Whether it’s a laptop in the kitchen or a fully decked-out study, your home office has become your HQ. But here’s the thing. Your standard home insurance may not cover work-related equipment or liabilities.
Here’s what you need to know.
Why regular home cover might not be enough
Let’s examine the facts. Home contents policies are designed to protect personal items, so it’s reasonable to assume that business assets wouldn’t make it into the list of insurable items. We’re talking about valuables like laptops, printers, or office furniture. Anything used for work.
Simply, these items aren’t likely to be covered. Similarly, if a client visits your home and gets injured, your standard policy may not step in to pay for their injuries, which would leave you to foot the bill.
Options for a home office
The good news is that King Price offers flexible ways to ensure your home office is protected. Starting with our business contents cover which aims to protect things like your laptop, printer, furniture, and other work-related items. And then there’s liability cover, which safeguards against claims if someone is injured in your home office.
Of course, you could streamline things by bundling your home and business cover to simplify your premiums and insurance admin.
Tips for working from home safely
It wouldn’t be advice from the king if we didn’t go the extra mile to help you with a few extra tips that will make working from home all the safer.
3 tips to get you going:
- Declare your office setup: Let King Price know about your work-from-home arrangements and we’ll make sure to ask all the questions to move things in the right direction.
- Take inventory: Keep a list of work devices and equipment so claims are smoother.
- Bundle for savings: Combine policies where possible to enjoy convenience and potential discounts.
The king’s advice
Your home office deserves protection just like the rest of your castle. With the right add-ons, King Price makes sure your work and home life are both covered, leaving you free to focus on growing your business.
Wondering how to bundle your insurance policies or get your own standalone business insurance policy that’s tailored to what you do and what your set-up looks like?
You’ve come to the right place.
Here’s how to get a commitment-free insurance quote:
- Online: Use our self-service portal or mobile app.
- WhatsApp: Chat with us popping a WhatsApp to 0860 50 50 50
- Call: Speak to our friendly and knowledgeable consultants by calling 0860 50 50 50
FAQs
1. Does my standard home policy cover business equipment?
Usually not. You’ll need specific cover for business equipment for full protection.
2. What about liability if a client is hurt at my home office?
Liability cover, which is included with business insurance, can protect you from claims related to accidents in your workspace.
3. Can I bundle this with my existing home cover?
Yes, in the sense that you can bundle policies with the same insurer. Bundling simplifies admin and may reduce your overall premiums.
4. Are laptops and printers covered for theft?
Yes, with the right business contents cover, theft and damage are included.
5. Does King Price cover freelancers and remote workers?
Absolutely. Policies can be tailored to suit your specific home office needs.