Insurance for working from home
Your home is your office. Or workshop. Or studio. It’s your nest, and your workplace.
Working from home has its benefits. You’re in full control of how and when you work, and how to balance it with the rest of your life. There’s real freedom to choosing your own working pattern.
But if you aren’t protected, then what you’re working for is at risk. That’s why it’s important to make sure that you’re protected.
What insurance do I need if my business is based at home?
There are a broad range of options available to you. Choose from one of the options below.
Professional indemnity insurance
Professional indemnity insurance covers the work you do. If you provide advice or a service that customers pay for, they could sue you or claim compensation if they feel you’ve made a mistake or cost them money.
Public liability insurance
Host clients in your workplace or visit other people on business? Public liability insurance covers you if someone is injured on your property and makes a claim, or if you accidentally damage their property.
Employers’ liability insurance
If anybody works for you – including full and part time staff, freelancers or volunteers – you need to have at least £5 million employers' liability cover. It's required by law.
Optional extras
Business equipment
Use your computers, mobile phone, kitchen or other equipment for your business? They probably won’t be covered by your home contents policy. With a quote for business insurance, you’re able to add business equipment cover to your policy.
Vehicles and goods in transit
If you have a van for business use, you’ll need specialist van insurance to be covered for claims. You can also insure stock and goods that you carry or send via third parties.
Products liability
If a product you’ve supplied causes injury or property damage, you could end up footing compensation and legal defence bills. This keeps you covered.
Personal accident
If your business relies on you, then consider how your income would be affected if an injury leaves you unable to work. In this case, your personal accident cover would pay your wage until you recover. Maximum limits apply.
Do I need business insurance if I work from home?
If you’re working or running a business from home, it’s important to make sure that you’re covered for whatever you do. And it’s important to insure your business – to protect your assets and your equipment. When you work from home, there’s a double risk. You’ve got more bound up in it.
Is working from home covered by my home insurance?
No, it isn’t. Let us know if you’re working from home, and we can advise you. Generally, home insurance doesn’t cover you when you’re working from home – but check your policy documents for more detail.
Do I have to tell my insurer I work from home?
Yes. Working from home doesn’t mean you need extra insurance – but it’s best to let your insurer know, so that they can advise you.
Does home insurance cost more if you run a business from home?
Working or running a business from home will change the terms with which your insurer assesses your cover. You could find that your premium rises, depending on the type of equipment you have and whether you have regular visitors to the property.
How much cover should I have?
That’s entirely up to the amount of work you do, the amount of equipment you have and how many visitors you have to the property.
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