Does my business contents policy cover laptops outside the office?

Standard business contents cover protects items at the business address, not automatically the laptop in a hotel room or an employee's home. For mobile gear you usually need a separate clause or policy.

Try this first

1. 1Read the 'temporarily elsewhere' or 'mobile items' clause in your current policy. Many cover at most 10 percent of the contents sum off-site, with a low cap per item.
2. 2Ask your broker for a 'mobile electronics' or per-item laptop policy. Dutch business insurer premiums (Centraal Beheer, Interpolis, NN) typically start at tens of euros per laptop per year, depending on the deductible.
3. 3Check exclusions carefully: theft from a car, loss, drops, spills. Theft from an unattended vehicle is almost never covered, even from a locked boot.
4. 4Compare against vendor accidental-damage cover (Dell ProSupport Plus, AppleCare+). Vendor cover excludes theft and loss, insurance excludes wear and age. The combination usually makes sense above 10 devices.
5. 5Keep a serial-number register (Snipe-IT or a simple sheet). Without serial and invoice you get nothing on a claim.

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