The Covid-19 pandemic has many Canadians managing their professional lives from home. Some people are working from home temporarily, others may continue to work remotely, even when their employers’ offices re-open. Those who have been permanently laid off due to the pandemic may opt to start a home-based business. What are the insurance implications of all three scenarios? Do your clients’ home, condo or tenant insurance needs changing if they work from home or operate an in-home business? The answer is—it depends.