THE ESSENTIALS
Before you start
- Domestic premises do not necessarily mean private activity.
- Describe the task and relationship with the third party.
- Family liability, professional liability and property cover need separate questions.
An exclusion illustrating why activity matters
Allianz Vida Privada's October 2023 information lists damage during professional or remunerated activity among base exclusions. This example shows why a home address is not proof of inclusion. The specific policy needs its own assessment.
Describe the meeting before naming an insurance product
Record the activity, visitor, reason for attending and task underway. Identify whether the reported loss concerns injury, property or an alleged service failure. Do not assume every incident involving a client has the same cause or that remuneration alone decides civil liability.
Fictional example: a professional receives a client and a computer for repair at home. A person falling at the entrance, damage to the entrusted device and an alleged service error are different scenarios to present. No cover decision is made here for any of them.
Map scopes without adding policies together
For each scenario, ask which contract describes it and which exclusions or conditions need clarification. If a professional proposal exists, check the declared activity, location and treatment of entrusted property. Do not assume that any professional policy fills a family-liability gap.
Keep cover for your own equipment separate too. Indemnifying a third party does not answer the cost of replacing your laptop. The map identifies gaps and prevents conclusions based on similar product names; it does not decide which insurer should pay.
Use a changed routine to request a review
If you started receiving clients or storing goods for a service, explain that change during the insurance review. Describe the routine accurately and request answers for relevant scenarios. A policy issued before the change does not prove the new context was assessed.
RMACHADO can prepare a quote or review distinguishing private life and professional activity. Do not put client names, documents or equipment data in comments. For an existing incident, report facts through the case channel and avoid promising compensation yourself.
KEEP THESE QUESTIONS
Your checklist for the next conversation
- Describe the activity, third party and task underway.
- Separate injury, entrusted goods and alleged service failure.
- Identify scope and outstanding conditions for each contract.
- Request a review when home-working routines change.
FROM THE ARTICLE TO YOUR SITUATION
Let us discuss your situation
Tell us what you want to protect. We review your request and help compare relevant terms. Requesting a quotation does not activate insurance.
Sources and transparency
Content updated on .
Consultation dates are stated in individual references when available.
Numerical examples are fictional and explain concepts. Editorial interpretations are identified in the text.
Information from RMACHADO GROUP. This is not an insurance offer or individual advice. Covers, acceptance, exclusions, sums insured and costs depend on the policy. The intermediary does not underwrite the risks.