• Home Business Insurance
  • Home Business Insurance

    If you provide advice on a professional basis and your client can suffer financial loss on the basis of your advice then professional indemnity insurance is required.

    If you employ anyone on your premises you are also legally required to take out employer’s liability insurance to cover against illness or accident caused at work, and failure to do so can result in a hefty fine.

    Each of these scenarios can be covered within our home business insurance policy that can be tailored to your needs.

    • Our home business insurance includes...

    • Features and benefits:

      • Office Equipment automatically covered up to £5,000 within the home
      • Business stock kept at home (limits apply)
      • Cover for accidental bodily injury to domestic employees
      • Up to £2m property owners liability
      • Public liability
      • Employer’s liability
    • Call 01489 222 178 for a home business insurance quote and we'll find the right option for you...

          • What is business home insurance?

            Home business insurance is available to people who run their business from home. It protects any business equipment you use if you run your business from home. Business equipment can include computers, printers, telephones, or any other machinery you use to be able to do your job from home, including any business stock that you keep at your house. 

            You can also ask for additional insurance to go with Business Home Insurance, such as public liability and employers’ liability insurance.

            Do I need home business insurance if I work from home?

            You will need home business insurance if you are a freelancer or run your business from home, such as an office set-up, a studio, or a workshop. If you have business equipment or stock at your property, then you will need home business insurance to cover the cost of any damages or losses so you can continue working.

            If you are employed by a business on a permanent basis, and you are using the company’s equipment, then they will need to provide insurance to cover their equipment. 

            However, if you are using your own equipment that you have purchased, you will need to provide the home business insurance.

            What insurance do I need for my home business?

            If you run your business from home, you will need to protect your stock, your employees (if you have any) and any business equipment. For example, you may want to purchase additional insurance such as professional indemnity insurance, public liability insurance and employers’ liability insurance.

            Public liability insurance

            Public liability insurance is available if you deal with the public. For example, if you sell items to the public or provide a service to the public, then public liability insurance covers you if any of your work causes injury or illness.

            Employers' liability insurance

            Employers' liability insurance is a legal requirement if you employ people for your business. It protects you from any claims your employees make against your business, including injury or illness caused by working for your business.

            Professional indemnity insurance

            If you provide advice or service for people outside your business, and they are not happy with your service or advice, they may sue you if the work you provide costs them money. Professional indemnity will help to cover any legal costs from claims.

            Optional extra insurances

            Depending on the type of business you run, you can include the following optional extras to your home business insurance.

            Vehicles and goods in transit insurance

            If you keep any tools, products or any work equipment in your vehicle, you will need goods in transit insurance. Goods in transit insurance will cover any items that are damaged while in your vehicle.

            Product liability

            If you sell products from your home, you can purchase product liability insurance, which covers you in case any of your products cause injury or illness to those who have purchased them.

            Personal accident

            Personal accident insurance covers you if you sustain any illness or injuries while working from home. It can cover any income losses you make due to missed work.

            Do I need to let my business insurance provider know I run my business from home?

            Yes - you should let your business insurance provider that you run your business from home. Home business insurance doesn't cost more than standard business insurance. It is a specific type of insurance that covers accidents or damages inside your home.

            If you need more advice or help with your home business insurance, please contact one of our insurance brokers, who will be able to find the best solution for you.

          • Get a quote today
            • I have read and accept the Privacy Policy
            • I'd like to receive news & product updates