I set off on holiday this week. It's my 30th birthday and I fancied celebrating it abroad, viewing the mountains in Switzerland and relaxing by the lake in Geneva.
I'd been on holiday one night when I received a phone call. My house had been burgled. I'd only been gone 24 hours, but somebody had ransacked my home—including the home office—and stolen my equipment.
Happy birthday, Ashley.
Aside from the emotional impact of being burgled, my mind turned to work.
They've taken the tools I need to do my work, but what about hard drives? Have I lost client work or data? Do I have back-ups? And if not, what are the consequences of that?
Working in insurance, I've adopted a worst case scenario mindset. Being diligent with protecting your work and equipment minimises the disruption to your business when disaster strikes.
This is why I have insurance. Home insurance for my contents, business insurance for my work tools, and professional indemnity insurance for losing client data (and a myriad of other scenarios).
Why should you have business insurance for contents if they're stored in your home? If they're used primarly for work purposes, you'll likely find your home insurance doesn't cover them.
With business insurance, you can add multiple addresses to a single policy. For example, if you work from home as well as an office or co-working space.
Your policy may also cover you whilst traveling abroad for work.
But wait, I don't want this to turn into too much of a sales pitch.
The bottom line is:
- I got burgled
- I never expected this to happen. My apartment is secure yet they still forced their way in
- My work tools were taken
- Client work and data could have been lost (it wasn't. Luckily they didn't take my hard drives and I have back-ups in The Cloud)
This experience has made me reconsider the security set-up I have for work. Is it enough? Have I implemented a secure enough system to bounce back from disaster and minimise the impact it has on my business and clients?
Lastly, is my insurance adequate enough to cover all of the stolen equipment?
Protecting Your Business And Clients
As a freelancer, the onus is on you to have a bulletproof business and keep your client's trust.
- Take Jack's business health check-up test to assess how vulnerable your business is
- Find out what insurance you should have with our tool.
- Get a quote. It will take less than 2 minutes to fill out your information
- Consider your security set-up. Is everything backed up? What if hard drives were lost, damaged or stolen? What do you stand to lose?
This intrusion has left me feeling violated and emotionally drained. Without insurance it would have been 1000x worse.