Can personal liability insurance be restructured to address new modes of work and mobility?

By Joseph S. Harrington, CPCU At some point during the coronavirus pandemic of 2020, almost everyone reading this was directed to work from home. Being alert insurance professionals, you all acted immediately to make sure you were insured for any bodily injury and property damage arising from your work at home, right? No? If not, then how many of your noninsurance counterparts do you think were "flying without a parachute?"

Of course, what enables us to work from home are portable computers that can simultaneously share personal information and access company networks, putting each at risk for cyber loss. Again, you were sure to coordinate your cyber security efforts and cyber insurance coverage, right?