{"id":20693,"date":"2020-03-13T17:08:25","date_gmt":"2020-03-13T17:08:25","guid":{"rendered":"https:\/\/www.policybee.co.uk\/blog\/?p=20693"},"modified":"2023-11-01T14:44:23","modified_gmt":"2023-11-01T14:44:23","slug":"business-cover-when-youre-working-abroad","status":"publish","type":"post","link":"https:\/\/www.policybee.co.uk\/blog\/business-cover-when-youre-working-abroad","title":{"rendered":"Are you covered when you&#8217;re working abroad?"},"content":{"rendered":"<div class=\"wp-block-image\">\n<figure class=\"alignright size-full is-resized\"><img loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"300\" src=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2020\/03\/laptop-covered-in-travel-stickers-property_shutterstock_1199940661.jpg\" alt=\"\" class=\"wp-image-20701\" style=\"width:300px;height:150px\" srcset=\"https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2020\/03\/laptop-covered-in-travel-stickers-property_shutterstock_1199940661.jpg 600w, https:\/\/www.policybee.co.uk\/blog\/wp-content\/uploads\/2020\/03\/laptop-covered-in-travel-stickers-property_shutterstock_1199940661-300x150.jpg 300w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><\/figure>\n<\/div>\n\n\n<p>Claiming for damaged or stolen laptops, phones, tablets etc\n(\u2018portable equipment\u2019 as insurers call it) isn\u2019t usually a problem. <\/p>\n\n\n\n<p>But a claim <em>can<\/em> come unstuck when your insurer asks\n\u201cwhere were you at the time?\u201d and your answer isn\u2019t what they\u2019re expecting. In\nother words, you weren\u2019t where your policy said you could be.<\/p>\n\n\n\n<p>If taking your business bits out and about is risky anyway, how do you make sure you\u2019re not scuppering a potential claim by going where you\u2019re not covered?<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Gone mobile<\/strong><\/h2>\n\n\n\n<p>As usual, policy documents are your friend. <\/p>\n\n\n\n<p>To find out what\u2019s what, dig out your \u2018schedule\u2019. This details\nthe cover you have. <\/p>\n\n\n\n<p>Now look for the words \u2018geographical limits\u2019. Each type of business\ninsurance has them \u2013 they specify where in the world you\u2019re covered.<\/p>\n\n\n\n<p>Yours might say, for example, your professional indemnity insurance geographical limits are EU. As you might guess, this means you can work anywhere in the EU.<\/p>\n\n\n\n<p>(For now at least. We\u2019ll keep you posted on insurers\u2019 post-Brexit thinking.) <\/p>\n\n\n\n<p>There&#8217;s more about professional indemnity geographical limits <a href=\"https:\/\/www.policybee.co.uk\/blog\/professional-insurance-abroad\">here<\/a>. <\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Costa lot<\/strong><\/h2>\n\n\n\n<p>However, if you have more than one type of business insurance,\ndon\u2019t assume there\u2019s one rule for everything.<\/p>\n\n\n\n<p>Those geographical limits can change depending on your insurer and your specific cover. Your professional indemnity might be EU but your <a href=\"https:\/\/www.policybee.co.uk\/business-insurance\">portable equipment<\/a> might only be UK.<\/p>\n\n\n\n<p>If that\u2019s the case, take your laptop to Spain for a job and your work\u2019s covered but the laptop isn\u2019t. If it\u2019s damaged or goes missing, you\u2019re paying for a new one.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Cost a little<\/strong><\/h2>\n\n\n\n<p>The good news is, extending your equipment cover to take\ncare of it might only cost a few pence a month. <\/p>\n\n\n\n<p>In fact, the difference between insuring your stuff in the\nUK and anywhere in the world might only be \u00a310 or \u00a320 a year.<\/p>\n\n\n\n<p>That\u2019s got to be a better bet than stumping up for\neverything yourself.<\/p>\n\n\n\n<p>If you\u2019d like to chat about portable equipment cover, give us a call on <strong>0345 222 5378<\/strong>. Or click <a href=\"https:\/\/www.policybee.co.uk\/business-insurance\">here<\/a>.<\/p>\n\n\n\n<p><em>Image used under license from Shutterstock.<\/em><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Claiming for damaged or stolen laptops, phones, tablets etc (\u2018portable equipment\u2019 as insurers call it) isn\u2019t usually a problem. But a claim can come unstuck when your insurer asks \u201cwhere were you at the time?\u201d and your answer isn\u2019t what &hellip; <a href=\"https:\/\/www.policybee.co.uk\/blog\/business-cover-when-youre-working-abroad\">Continue reading <span class=\"meta-nav\">&rarr;<\/span><\/a><\/p>\n","protected":false},"author":12,"featured_media":0,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[287],"tags":[237,137,249,178,140],"class_list":["post-20693","post","type-post","status-publish","format-standard","hentry","category-more-business-insurance","tag-freelancers","tag-insurance-explained","tag-one-minute-reads","tag-portable-equipment-insurance","tag-running-a-business"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\r\n<title>Does your business insurance cover you abroad?<\/title>\r\n<meta name=\"description\" content=\"In the same way countries have borders, insurance policies have geographical limits. 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