Authored by Sara Weathers

Hybrid and remote work have become permanent fixtures in the legal industry. But while operations have evolved, many insurance policies have not.

That creates a critical question: Are your firm’s offsite assets actually covered?

Where Gaps Commonly Occur

Employee Home Offices

Laptops, monitors, and office equipment used at home may fall outside standard property coverage or be subject to low sub-limits.

Mobile Devices

Phones, tablets, and portable devices used for client communication can be lost, stolen, or damaged outside the office.

Data & Security Risks

Remote environments often lack the same level of cybersecurity controls as in-office systems, increasing the risk of breaches.

Unscheduled Locations

Policies typically require locations to be listed. If your firm operates across multiple remote or temporary spaces, coverage may be unclear.

Why It Matters

A single loss of stolen equipment, damaged devices, or compromised data can interrupt operations and create liability concerns, especially when client information is involved.

How to Close the Gap

• Review off-premises property limits.
• Consider inland marine or equipment floaters.
• Ensure cyber coverage extends to remote work environments.
• Update your policy to reflect how your firm actually operates.

Align Coverage with Reality

Insurance policies should reflect your current business model, not the way your firm operated five years ago.

If your team works anywhere other than your primary office, your coverage needs to account for it. A quick review now can prevent costly gaps later.