{"id":3934,"date":"2026-04-24T11:36:56","date_gmt":"2026-04-24T10:36:56","guid":{"rendered":"https:\/\/trust-investments.pt\/2026\/04\/24\/if-im-at-work-and-i-damage-something-in-my-clients-house-am-i-protected-trust-insurance\/"},"modified":"2026-04-24T11:54:59","modified_gmt":"2026-04-24T10:54:59","slug":"if-im-at-work-and-i-damage-something-in-my-clients-house-am-i-protected-trust-insurance","status":"publish","type":"post","link":"https:\/\/trust-investments.pt\/en\/2026\/04\/24\/if-im-at-work-and-i-damage-something-in-my-clients-house-am-i-protected-trust-insurance\/","title":{"rendered":"If I&#8217;m at work and I damage something in my client&#8217;s house, am I protected? Trust Insurance"},"content":{"rendered":"\t\t<div data-elementor-type=\"wp-post\" data-elementor-id=\"3934\" class=\"elementor elementor-3934 elementor-3919\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-4485d92c e-flex e-con-boxed e-con e-parent\" data-id=\"4485d92c\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-784adb48 elementor-widget elementor-widget-text-editor\" data-id=\"784adb48\" data-element_type=\"widget\" data-settings=\"{&quot;ekit_we_effect_on&quot;:&quot;none&quot;}\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t\t\t<p>If I&#8217;m at work and I damage something in my client&#8217;s house, am I protected?<br><br>Insurance coverage when you damage something in a client&#8217;s home depends on your professional situation and the type of insurance you have. <br>The most common scenarios, foreseen in these frameworks:<br>Employee (employee)<br>If you work for a company:<br>As a general rule, the company&#8217;s liability insurance covers damages caused to clients in the performance of your duties.<br>The customer may be entitled to compensation from the company&#8217;s insurance.<br>The company can only hold you liable if there is intent or gross negligence (e.g., acting in a clearly reckless manner);<br>Self-employed \/ freelance workers<br>If you work for yourself:<br>You are only protected if you have professional liability insurance.<br>Without this insurance, you are personally liable for the damages and may have to pay out of your own pocket.<br>In some professions, this insurance is mandatory (e.g., electricians, plumbers, construction, healthcare, etc.).<br><br>Trust Insurance can help with the analysis, simulation, and selection of the best insurance for you and your business.<\/p>\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-1c40c76 e-flex e-con-boxed e-con e-parent\" data-id=\"1c40c76\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t","protected":false},"excerpt":{"rendered":"<p>If I&#8217;m at work and I damage something in my client&#8217;s house, am I protected? Insurance coverage when you damage something in a client&#8217;s home depends on your professional situation and the type of insurance you have. The most common scenarios, foreseen in these frameworks:Employee (employee)If you work for a company:As a general rule, the company&#8217;s liability insurance covers damages [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3932,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[791],"tags":[873,1220,1133,116],"class_list":["post-3934","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-insurance","tag-civil-liability","tag-corporate-insurance","tag-sole-proprietors","tag-trust-insurance"],"_links":{"self":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts\/3934","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/comments?post=3934"}],"version-history":[{"count":3,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts\/3934\/revisions"}],"predecessor-version":[{"id":3937,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/posts\/3934\/revisions\/3937"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/media\/3932"}],"wp:attachment":[{"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/media?parent=3934"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/categories?post=3934"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/trust-investments.pt\/en\/wp-json\/wp\/v2\/tags?post=3934"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}