Work From Home? You Might Be Underinsured

Remote work is here to stay — but for many professionals in Bend, Oregon, insurance coverage hasn’t caught up. At TRIA (The Robson Insurance Agency), we help remote employees, freelancers, and small business owners in Central Oregon protect the way they live and work today — not the way policies were written a decade ago.

Here’s the truth: if you work from home and haven’t reviewed your coverage, you may be unknowingly underinsured.

What Your Home Insurance Doesn’t Cover

Your standard homeowners or renters insurance is designed for personal property — not business activity. That means things like:

• Your work computer or photography gear

• Client-owned equipment or files

• Data breaches or cyber threats

• Business income loss from disruptions

• Liability for client visits to your home

…are typically not covered by a basic policy.

That’s where business insurance in Central Oregon comes in — tailored to protect home-based work setups across Bend and

Remote Employees in Bend — You Still Need to Check

If you’re a W2 employee working remotely for a company based elsewhere, your employer may provide equipment — but they don’t insure your home office. Fires, theft, or even electrical damage could leave you footing the bill.

At Robson Insurance Agency, we can help you add a home office endorsement to extend coverage to your remote workspace.

Self-Employed? Side Hustle? You’re a Business.

Freelancers, independent contractors, and home-based businesses often assume personal insurance is enough — until it’s not.

Whether you’re a graphic designer, online retailer, content creator, or contractor, TRIA can help you find the right business insurance in Bend, Oregon to protect your:

• Business property

• Inventory or tools

• Customer data

• Professional liability

• Lost income from service interruptions

Real Story, Real Lesson

A freelance marketing consultant in Bend contacted us after a power surge damaged her laptop, hard drive, and client files. Her renters insurance didn’t cover any of it — because her work setup was considered business property.

We helped her get set up with a custom business insurance policy, including cyber protection and equipment coverage, so she wouldn’t face the same risk again.

Ask Yourself:

• Would a disruption at home affect your income?

• Do you store sensitive data or own business tools?

• Have you told your agent you work remotely?

If the answer is yes to any of these, it’s time for a policy checkup. TRIA makes it simple, local, and personal.

Why Choose TRIA – The Robson Insurance Agency?

As a family-owned insurance agency rooted in Bend, Oregon, TRIA is committed to helping Central Oregonians get clear, reliable coverage that evolves with their lives. We take the guesswork out of insurance so you can work confidently — wherever work happens.

Let’s protect the way you work today. Contact TRIA for a quote on your insurance in bend Oregon today.