- Tradesman insurance
- Shop insurance
- Home business insurance
- Engineering insurance
- Hairdressing insurance
- Landlord insurance
- Manufacturer insurance
- Wholesaler insurance
- Office insurance
- Self employed insurance
- Hospitality insurance
- Surgery insurance
- Not-for-profit & charity insurance
- Leisure insurance
- Motor trade insurance
- Agricultural insurance
- Mining, quarries & utilities insurance
Home business insurance
Cover if you run a business from home whether it’s cake decorating, flower arranging, or selling on eBay, gardening, tutoring, designing or consulting.
Do your home work
Each year, hundreds of thousands of people start a business of their own and for many, home-based businesses are a popular option. However, if you’re operating from your spare room, home office or outbuilding, it’s important that you assess whether you have the right cover to protect your business and yourself.
A standard home insurance policy may not provide sufficient cover for a business. If you don’t inform your current insurer that you are running a business from your home, it could invalidate any claims you may need to make under your policy.
Whilst some home insurers may be able to extend your policy to include some business equipment such as computers, it’s important you check that this will provide enough cover to meet your business needs. Most home insurers will not cover you for any goods, merchandise, stock, fixtures and fittings or equipment that you use for your business (either at home or on the move).
If customers visit your home, or you visit their premises, and you cause them to suffer injury or damage to their property as a result, they could make a claim against you. Similarly, if a product you design, manufacture or sell, injures a customer or causes damage, you could face legal and compensation costs if you’re found responsible. If as a business owner you are considered to be personally responsible, you could even face criminal charges if found negligent.
You will also need to consider insurance if you take on any employees under a contract of service or apprenticeship as you’re legally required to provide cover should they be injured or suffer damage to their belongings whilst under your direction.
Should the worst happen and your business has to close for even a small period of time, you could lose your reputation and valuable customers and clients. We can help you decide what cover is right for you – whether you run your business from a laptop, or have a team of staff working from your kitchen, our business insurance specialists could reassure you that your home business is in safe hands.
Here to help
We understand that choosing the right cover may be daunting - you don’t want to pay for cover you don’t need, or leave your business under-insured.
That’s why our specialists listen to what’s important to you - explaining your options clearly and simply - before helping you find just the right cover for the risks you face, at just the right price.
Call our specialist advisers: 0845 835 4445
Minicom: 0800 051 3030
Lines are open: Mon to Fri 9am to 7pm (excluding public holidays). Calls may be recorded. Max call charge from a BT landline is 8p plus up to 8p per minute. Business rates and calls from other networks may vary.
Or request a call back and we'll call you at a time that's convenient to you.
Not ready to renew? Tell us your renewal date and you could WIN A TWO NIGHT break away.
Fill in our renewal reminder form online before Midnight on 31 July 2013 and you could win A TWO NIGHT STAY FOR TWO at a UK or Ireland hotel of your choice, with breakfast and evening meals (to the value of £300).
Over 18s, new customers only (excludes NI residents). There will be only one winner. Hotel stay must be completed by 31st March 2014. Subject to availability. Excludes travel and holiday insurance. No purchase or quotation necessary.